Glad the trading community is growing and paying attention to mistakes

You live and learn ..... investing is 90 emotional n 10 etc.,.....when I see the s&p go down I actually buy more because I am buying cheaper sharesss...

@SuperReyand

Ай бұрын

s&p is an etf - in the first 5-10 years it is rather more important to save money, i don't care how much i pay cause i have a monthly saving plan.

@supervaluemeal

15 күн бұрын

Like what Kelvin always say… “Stock now on discount 😂”

I started this January and I just put in 50$ monthly. But as soon as i'm rid of my high interest debt will I start to invest 1000$ in to the market, 500$ for index and 500$ for stocks! Though I'm projected to be free of debt in 3years which will make me 30years old when I start in earnest. With that said, I'll see you all when we're all millionaires in the future!

I also started last year but I dont own only the sp500, I own 3 individual stocks which some gave me 40%ROI as today and also the world msci and some nasdaq. I had a 18% 12 month return wich is fantastic. This year was a good year to start since it was a rebound year. I wouldnt be too much focused on the returns in only 12 months unless you hold individual stocks. this aint gonne be nopthing the moment you get to a 10 20 year mark and you see crazy negative waves aand your account losing almost 6 digits. thats the hardest, its staying cold hearted and not mistakes thatll cost you years of saving.

Thanks Demi for sharing. I recently started investing although not VOO but simillar ETF that track S&P 500 via endowus after checking your channel. Abit old to start 😂. Appreciate your effort to simplify things for new investors like us.

My mistake is also not dollar cost averaging in the past and just putting whatever I had left. Great advice and so practical and honest! ❤

@ExySmexy

3 ай бұрын

you dont want to dollar cost average when buying S&P long term, its much more likely you are not buying at the peak that year than you are.

@lisaalapisa4235

3 ай бұрын

@@ExySmexybuying at “peak” doesn’t matter when you have a 10+ year horizon.

@ExySmexy

3 ай бұрын

@@lisaalapisa4235 true but it doesnt change the fact that you still shouldnt if you can

@GeekProdigyGuy

3 ай бұрын

​@@lisaalapisa4235point is if you actually look at what performs better (lump sum vs DCA), lump sum wins ~70% of the time. DCA is a "regret minimizer." but usually if you don't like the possibility of regretting buying the peak you shouldn't allocate it all into stocks.

Hello Demi Zhuang, just got to know your youtube channel yesterday - been learning about ETF recently and this particular video of the importance of DCA - a truly valuable information + reminder to me (because Im very emotionally driven too on investing). Just to say thank you for making this video and I appreciate your hard work educating the public on this. Especially for beginners like me. Thank you. 🙏

I started buying a VOO ETF stock January of 2023. Will continue to buy one once a month in 2024 regardless what the price is.

No doubts , a good way of growing and saving your money is through investing . You don't need to have much before you can invest. That little money you have now can make you millions if you invest it wisely. I wasnt financial free until my 40’s and I’m still in my 40’s, bought my second house already, earn on a monthly through passive income and got 4 out of 5 goals, just hope it encourages someone that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing is a grand choice I made

@Alexedmartin.

2 ай бұрын

What kind of investments can a beginner like me do?

@ugojazzy7812

2 ай бұрын

I wholeheartedly recommend Regina Louise Collaro, a distinguished financial advisor based in the US. Her collaboration with an international organization has been pivotal in my financial success. Regina's expert guidance has not only supported me consistently from educational investments to planning for retirement, but it has also played a critical role in significantly enhancing my wealth. Finding the right financial consultant is as vital as choosing the right life partner-both decisions shape your future profoundly. I feel incredibly fortunate to have Regina as my financial consultant, who has truly transformed my financial landscape and helped me thrive financially

@Alexedmartin.

2 ай бұрын

That's great; your investment advisor must be really effective! I've heard from others how helpful investment advisors can be in improving financial stability. Could you share more information about this advisor?

@ugojazzy7812

2 ай бұрын

you can easily find her information by doing a quick search. Feel free to reach out to her directly with any questions you may have

@Rasheedmalik-kx5iy

2 ай бұрын

This is a shocker seeing Regina Louise Collaro is being mentioned here. I always had mixed feelings about hiring a lnvestment advisor. For the record, I started working with Regina in 2019, and she manages about 70% of my lnvestments, while I manage the other 30%. My philosophy is that I care more about my own money than anyone else, but she made me accept that they have wealth of information on current conditions and future trend

Dollar cost averaging is pretty consistent method to build for the long term hands off. Just reoccurring the cash flow and reinvesting the dividends back into your index funds can grow overtime. When the market is low you buy in low and when the market is up you gain more with what you hold. I've been playing it long for years now and I plan to continue until I hit those goals.

hi Demi, you mentioned about SGD500+ p.m. into S&P index fund, how much do you put for bonds and banks stocks?

Hey, I love the video. However, are you able to explain the comparison between VOO and CSPX (I.e., the estate taxes and dividends)? And what do you mean by focus on capital growth and that the dividends are reinvested (So if dividends are not distributed in the voo means the tax is not applicable)?

When you are buying into such a broad ETF like the S&P it make sense to just make consistent buys each month. Unless the US economy collapses you can pretty much rest assured it'll keep going up. When you are buying individual companies thats where it makes more sense to wait for big pullbacks and then buy a lot of shares all at once. A lot of time great companies have a bad quarter and that opens opportunities to scope up shares for 15 to 25% discounts sometimes. As long as the companies you buy have solid balance sheets the same logic applies, over time they should be fine. A recent example is ADM a solid dividend paying stock. They had a bit of a minor scandal recently and they plunged 30% overnight.

@albertwong7460

5 ай бұрын

Sorry....ADM has only a quarterly 0.5/share payout. Try a mid west utility, NGG. U may be happier

I'm from Malaysia, given our weak currency and my small income, I only convert USD in a lumpsum and then invest into CSPX around 2-3 times a year ( to minimize brokerage fees as well). It's great that Singaporeans have Syfe that provides free trades in a month. We do not have that option

@Longtermalwayswins

5 ай бұрын

No its not. Ibkr is still the best. And yes always only buy cspx. Read my comments above

@worldgenius7441

5 ай бұрын

Are malaysians able to use this platform? I'm still new into this and have been looking but most of them either require to get a brokerage license or find a company. Or maybe I am searching at the wrong places. Any help would be highly appreciated

@BF_official_my

5 ай бұрын

​@@worldgenius7441Syfe? No we do not have Syfe ...I use IBKR. If have any broker available for Malaysian that have free trade every month please do let me know as well😂

@junwei1981

5 ай бұрын

Yes! I am a Malaysian currently using IBKR! To fund the IBKR account we can use wise

@drbenirusani

2 ай бұрын

@@Longtermalwayswins Yup ibkr ONLY US 1.70+ per trade for irish domiciled

Thank you, very informative! I did have to check several times if the speeds wasn't set to +1. You speek so fast

@Outspoken2012

2 ай бұрын

I had to stop watching because of that. The fast speed of talking + the accent gave me a headache lol

@shusakudake

28 күн бұрын

​@@Outspoken2012imagine to dumb to slow a vid down must be hard to be you

Awesome! Love seeing like minded young people like me doing right with their money! Excited to watch your journey :)

I didn't become financially independent till I was in my mid 40s after having a major financial setback during the covid, I'm glad i'm on my feet. In addition to buying my second house, I'm also making money on a monthly basis through passive income, and I've also met some of my goals. I really hope this motivates someone to know that it doesn't matter if you don't have any of these things yet; no matter your age, you can start today. Investing can help you change your future!.

@Alexedmartin

3 ай бұрын

What did you invest in?

@wonderloot

3 ай бұрын

I strongly recommend the services of Regina Louise Collaro, a reputable financial advisor and consultant. Through her collaboration with an international organization, she has provided invaluable guidance and support on my financial journey until I reach my goals. Choosing the right financial consultant is vital, akin to finding the ideal life partner, as both profoundly influence your life's direction. I am thankful to have found such an excellent financial consultant who has aided me in accomplishing my financial goals, spanning from education to nearing retirement.

@Alexedmartin

3 ай бұрын

Pls Wonderloot , how can I reach out to her?

@wonderloot

3 ай бұрын

I think you can easily find her information by doing a quick search. Feel free to reach out to her directly with any questions you may have.

@KhadijaJazz

3 ай бұрын

It's surprising to come across Regina Louise Collaro's name here. I've always been uncertain about hiring an investment advisor. Just to clarify, I began collaborating with Regina in 2019. She oversees around 70% of my investments, leaving me with the remaining 30%. My stance has always been that I prioritize my own finances, but she has convinced me of her extensive knowledge regarding present circumstances and upcoming trend

Pretty much every study has concluded that Lump-Sum investing beats DCA'ing. If you can afford to put your yearly investment allocation (like your yearly ROTH IRA limit, etc) in all at once, I think you should do it. DCA'ing is a good plan B though.

Dollar cost averaging is a good strategy to help you stay consistent. Great job starting early!

hey, thanks for the informative video, is there an excel template that you use to calculate your DCA every month? Thanks

@glasshalffull2930

2 ай бұрын

There is no template. DCA just means contributing the same amount of money each month. That way, when stocks are down your contribution buys more stocks and when the market is up, your contribution buys fewer stocks. It’s the discipline of always investing and the long term if 20 or 30 years that gets you a nice retirement.

This is why I like my retirement account - it is all automated and taken from my salary every month (~110$ from my paycheck) and invested in my company pension plan. After 4 years it gained almost 40k(as I moved assets from my previous employment plan ~11k). We will start investing like you someday as we wrap up with Mortgage repayment and wrapping up another property purchase. Good luck!

Say we use the money to buy Bonds, for a fixed rate of interest, those Bonds money would be used by the Gov to buy stocks like SnP500, which a small portion is given back to us in the form of the interests.

Love your videos very informative and inspiring especially when admitting and learning from mistakes.

You might want to look into the concept of a secular bull market vs a secular bear market. There are periods of times when the market could remain flat across a decade. One example of a secular bear market was from 2000 to 2013 the index was flat. That said we are in the midst of a secular bull market that started in 2013, and advances in AI and technology and a mix of 2% inflation will continue to drive S&P corporate earnings higher.

The risk of a stock is not its price stability, those are caused by news and noise Its the profit of a stock that determines its stability/risk. Which is why buying stocks with historical records like AMZN when its price has a fall 1y ago. u would made 100% profit. Because price is simply a voting machine. Ultimately the stock market is a weighing machine in the long run.

I don't understand why people that are starting from zero are building simoutaneoulsly growth and dividend portfolio. It doesn't makes sense at all, it only slows you down. You either have big enough net worth for dividends to make an impact on your life or you don't. If you don't (yet) the best thing you can do is max out your growth strategy, because that will get you there quicker. In other words until you are able to live off dividends, max out your VOO or CSPX buys (CSPX is better, more tax-efficient).

@eugeneeugene3093

29 күн бұрын

It took me a few months to get to this conclusion, but I agree.

I can see some smart investments here and there, its really nice to see it once in a while.

Why don't you choose an accumulation ETF? Such as VUAA

@Demi Zhuang I believe you might be mistaken about Tax efficiency of US domiciled securities. If your tax residency is in a country that has no Tax treaty with US, you should end up paying full 30% Tax on Dividends if you buy US domiciled S&P500 ETF even if that security is of accumulating type ! S&P500 companies distribute dividends (sub 2% yield) but they still do. and if you hold an accumulating ETF that is US domiciled, I believe you will be charged the full 30% on those dividends ! I believe you might be better off buying Irish domiciled ETF's even if they are accumulating type !

@drbenirusani

2 ай бұрын

and 40% estate tax !

It is interesting. Thank you. Finally some videos with real numbers, it is rare in youtube. I'm prefer more risk with investments, mostly on index with leverage on forex (i dont recommend it tho) and since december crypto (damn, it is excellent)

why not set a recurring buy in IBKR? Does that work?

Miss Demi thank you so much for this very informative video 🙏 i have not been able to find something like this so I highly appreciate it 🙏

You may want to consider reading into estate tax for VOO and other US domiciled ETF/shares. As the estate taxes can go as high as 40%, enough to wipe away most gains by the time the assets are withdrawn by loved ones in an event of demise. All the efforts of investing might go to waste. CSPX and other sg domiciled ETF/funds through endowus circumvent that estate tax. Might be good for you to read into and educate your viewers since such investment is long term and will impact legacy. Cheers

@faithchen9019

5 ай бұрын

Agree with u.. was about to say this

@candicekang5845

5 ай бұрын

Outside of estate tax that would eat into any gains,, are there any cons you would highlight for the investor themselves?

@Longtermalwayswins

5 ай бұрын

Totally on point. Good info. 🎉

@marcusng42

5 ай бұрын

@@candicekang5845 forex risk is another impt factor to consider. Take a look at usd/sgd chart. USD is on a downtrend against sgd, and if sg continues to thrive our sgd will likely continue to strengthen against usd which is not good for investir holding usd stocks. A great way to eliminate this risk is to look for SG domiciled funds or etfs that mirrors VWRA/SPY/CSPX

@drbenirusani

2 ай бұрын

AGRee!

If you make enough money just do recurring automatic payments. Then you don't miss you monthly goals. Of course, invest it if you don't have auto invest.

Great video Demi! I'm also a newer investor, just started last year. I think we all make mistakes, but at least we got started hahaha. Appreciate you sharing what you've learnt and wish you big success on ur investing journey! 🙂

@DemiZhuang

6 ай бұрын

💪🏼 haha to greater wins in the long run!

@manick7475

4 ай бұрын

​@@DemiZhuang Thanks for the video. Could you suggest a few good ETFs to invest in Singapore?

Hi, thx for sharing, can you share which trading platform you are using again? Didn't catch it in the vid. Thanks!

@DemiZhuang

5 ай бұрын

Syfe Trade and Moomoo

what would you recommend investing in besides the S&P? I'm 5 months into vargwords S&P at £100 month?

@glasshalffull2930

2 ай бұрын

If you are investing for retirement, the S&P (over the long term of a full career) is the gold standard. If you have ‘mad money’ after contributing to the S&P, there are a few more concentrated US funds that have done well over the last 10 years, but I cannot recall the fund names.

I start d this year but went into FXAIX instead of voo. Hopefully it’s fine. Was cheaper per share

I am in the US so I am curious about this, is SPLG also an option for you to invest in?

I’ve been investing in the SP500 for around 7 to 8 years so far. It is tough to beat. Mostly invest in that, and in a select few companies I think can beat it over time. Also, been in Berkshire Hathaway for around the same time frame. Do you own Berkshire? What businesses do you think can beat the SP500?

Theres some things that need to be mentioned here: - CSPX also have no estate tax. This is crucial. When a person is no longer around, all non us residents will be taxed up to 40%. Unless you plan to only invest $5000 in your entire life, the amount will compound to a point where its seriously huge and 40% tax is no joke. - this is another seldom discussed issue. If one buys too much us equities and funds, the switching cost from say VOO to CSPX is very high and dangerous. You need to sell your VOO to switch to CSPX. If you dont time this correctly, and miss out just a few days of gains, it will severely crippled your gains for the decades. Be very mindful - one is bound to switch one day to UCTIS Cspx fund. So do it earlier rather than later. Dont be penny wise and pound foolish over such small trading costs and lose sight of the end goal -

@thegman8

4 ай бұрын

The above are all good advise. Non-residents are only allowed an exemption amount of US$ 60,000. Currently, it ranges from 18% to 40%, depending on the size of your stock portfolio. Also, you are still very young and should focus more on growth stocks instead of dividend stocks. When you are young, you do not have a lot of money to invest - so just focus on growing your capital. For example, DBS is one of the best dividend stocks in Singapore, but compare its 1-year, 5-year and 10-year performance against the S&P 500 ETFs. There is really no comparison.

@user-hf7si9dt8w

3 ай бұрын

@@thegman8then according to ur reccomendation, if im singaporean & i decide to dca 700 usd into the etf using ibkr consistently for the next 20 year, would it be more wise & efficient in the long run to invest in voo or cspx?

@b.r.8528

2 ай бұрын

hi can you explain what you mean by estate tax? My understanding is that there is no capital gain tax in sg, and the point of buying the Irish domiciled ETF is to save that 15% of witholding tax. Where does estate tax factor in here? Thanks for replying.

@thegman8

2 ай бұрын

@@user-hf7si9dt8w Historically, the US market has offerred more growth than SG market (or any other markets), particulalry in the last 20 years. However, no one can tell what will happen in the next 20 years. If you feel more confident about the US market, then invest there. Personally, that is what I will do, but you need to make your own due diligence. Also, it is better to use CSPX instead of VOO to avoid the US estate tax.

@Longtermalwayswins

2 ай бұрын

@@b.r.8528 when a person pass on, their stocks will be either sold away or pass down to their next of kin if there is a trust in place. Non us citizens will be liable to pay the estate taxes when liquidating all us based equities or etfs

Is this on your Roth IRA or taxable brokerage account?

You did well, i started investing right at the top of the pandemic and my returns were always negative. Only this year it has jumped up to 18%, this is long term so it shouldn't matter, I invest 350 automatically every month

Appreciate you sharing your S&P 500 investing journey! It's cool to hear about both the highs and the lessons learned. Definitely some solid advice on keeping expectations realistic and staying informed. Thanks for the honest review!

Sorry, I am new IBKR user I saw you video when you told us about compound interest in those accounts, I am from Canada and also I have a new TFSA there. I would to as you how the compound interest work in my case. I already know about reinvesting dividends but that is another thing. Thanks

seems like a super safe investing strategy, good luck!

Great video!

Very smart. It's good to see you investing consistently at such a young age, especially working to take the emotions out of it. I dealt with emotions by psyching myself out to wish for market crashes so I could buy low. I loved the Great Financial Crisis and pandemic crash!

Thanks for doing this Demi

1. if u bought less when it rose but compensated and bought more when value goes down, overall wouldnt you have bought the stocks cheaper for the same volume of shares? 2. do you subscribe to the 110-(your age) for stock vs bond allocation? 3. will you classify dividend-making stocks as stock or as bond allocation sicne the yield is quite similar to bonds? cuz with SSB and tbills (for now) i see no point in getting dividend yielding stocks unless one's bond allocation is to be more than the 200k SSB + tbills ? 4. have u considered VWRA? heard its a good ETF to keep things simple thanks for sharing btw. wishing you early financial freedom

@GeekProdigyGuy

3 ай бұрын

1. if a stock goes up 30% and crashes 15%, it's still net 10% up. simply buying at the bottom of a crash still loses money on avg, even if you could time the exact bottom! and ofc it's impossible to time the exact bottom 100% of the time.

@GeekProdigyGuy

3 ай бұрын

3. stocks are stocks... dividend yielding stocks are still way higher risk than bonds.

The problem in setting aside USD 400 a month is that , you can’t even buy a single share of VOO now and in the long run, assuming it’s an upward trajectory. You have to go into other ETFs to buy fractional shares , which becomes very inconvenient.

Thanks for sharing your knowledge with us 😊

Love this very honest video and I’m glad that you’re posting this to keep your journey accountable! May I ask what camera and video editing app do you use?

@DemiZhuang

2 ай бұрын

Sony Zve10 & filmora!

Rare to see a female investor, I’m currently invested in Syfe, moomoo and Endowus. More interested in capital preservation and dividends stocks as I’m currently semi retired. Keep up the good job and hope to see more videos on investing 😊

hey good KZread Chanel. I'm from Germany and I invested every month 1000 euro in the sp500. for me it is the best index too. many German peoples doesn't investing in the sp500 because the Germans think it's to little diversification. the Germans invested in all world or msci world index but i invested in the sp500 for the next 35 years. good look to all of us🎉

@Angelacy16

3 ай бұрын

Hie, could u please tell me the ISIN for the s&p500 that you are investing in? Thanks in advance.

@glasshalffull2930

2 ай бұрын

I’m 100% S&P 500 for 40 years now. I looked at some of the international funds and over the long term (15 years+) they had about 2.5% less on average. The internationals were also very volatile. I decided to stick with the S&P500.

QQQ/VGT is the way to go, you will get 50% outperformance to the S&P. Long Technology, you only sell technology once they become a heavily regulated industry(think banks post 08, biotechnoloy, etc)

Very great sharing, but what is your opinion with VUAA, the price will be more comfortable with pp, because I think the 15% can save a lot of money in a long term way by using ikr.

@drbenirusani

2 ай бұрын

agree 15% a lot! OVER 30 YEARS!

I have one question I assume you are not an American citizen. By buying those USA base ETF in Singapore, how do you avoid estate tax?

I love your singaporean accent!!! Singlish makes my heart beat! Maybe it was your good taste in music and the beautiful scenery from your newest korean vlog. 🌇 you are so smart, I'm going to watch all your videos!

can i ask what about the voo vanguard in webull? is that fine as well?

@DemiZhuang

4 ай бұрын

Yes same! Just different platform you are buying on

very informative Demi, at 04:50 u mentioned s&p500 the high risk? thought it's somewhat 'safe' and low risk?

@LeslieTangSG

3 ай бұрын

Think risks are relative. In the visuals shown at 4:50, I think it make sense that S&P500 is high risk when compared to CPF and Bonds. In general, I would say the more concentrated the investment vechicle is, the higher the risk. Not too sure why SG Banks and REITs were classified as lower risk than S&P500 though.

@glasshalffull2930

2 ай бұрын

It is really a matter of risk/reward. Bonds and government securities are very safe, but only return about 3%-5% over the long term. S&P 500 is way more volatile on the short term (2 or 3 years), but over the long term (20 or 30 years) it averages 10%+. These S&P500 is great for retirement investing.

@sky-uw6cl

2 ай бұрын

@@glasshalffull2930 understood, thanks so much! I just reached 60 this year and planning passive income to make sure my saving doesnt drained from inflation before i die (for this, i watched the YT clips and thought SP500 is safe), 20-30 years later I'll be super ooooooooold providing I'm still in this planet😀

Thanks for sharing

I disagree with the mistake about emotionally investing. Considering the debt-snowball there is some proven psychology to investing inconsistently and building up a position. I'm also curious if you could take on more risk. I'm not a fan of bonds at all. Perhaps the bonds in Singapore lend a decent return, but a varying ROI of 7-9% in the S&P 500 is usually much better. Also a risky, but more rewarding play I think individuals stocks, especially mid-cap, small-cap indexes could be interesting for 5-20% of portfolio. With some cash on hand it would be good to also capitalize on the large corrections like the last pandemic or unusual bond returns. Having cash set aside for these specific cases I think is better psychology.

What’s your thoughts on SPLG?

Hi Demi, thanks for the video. I understand about the free trades, how should I interpret the expense ratio of the index fund and how is it being calculated? Also, is it being charged annually? Thanks, hope to hear from you.

@DemiZhuang

5 ай бұрын

Hello, you can find more information about VOO here - investor.vanguard.com/investment-products/etfs/profile/voo#price For expense ratio info - investor.vanguard.com/investor-resources-education/education/expense-ratio#:~:text=How%20expense%20ratios%20are%20calculated,expenses%20as%20a%20fund%20shareholder.

Is it wise to put a large amount say from a house sale I got the S&P or not?

@loveaihoshino

15 күн бұрын

It's a long term option, make sure you are comfortable with the ups and downs of the market. If you need access to the funds short term (due to unpredictable circumstances) the fluctuations may make it unfavorable.

where is the link for the video that breaks down Why not CSPX on IBKR ?

@DemiZhuang

3 ай бұрын

here - kzread.info/dash/bejne/p3Z5xNWIeNWbY5c.html

@DemiZhuang

3 ай бұрын

but you can now buy fractional shares on ibkr.

Honestly, not really a mistake... DCA is known to give lower returns than lumpsum investments. Also, October 2023 was when US stock market took a huge dip, and then it started to retrace to a new time high - so imo, you actually got really lucky and your returns would've been much worse if you had DCA'd into the earlier months when the S&P500 were higher.

@glasshalffull2930

2 ай бұрын

Almost nobody new in their life/career has $10,000 or so laying around at the beginning of each year to “lump sum” invest. Sure if I had $100,000 when I was 20 I could have just invested that and never invested anything else and I’d be a multimillionaire. But that didn’t happen. Most of us just DCA because we only have a little at the end of each month. BTW- I DCA for my 40 year career in the S&P500 and I am a multimillionaire from that investment.

Good Learnings! Thank you for sharing!

As an S&P500 10-year investor, I approve this message. In my case, I put that in IVV instead of VOO which is very similar.

@1hm3x

3 ай бұрын

Hello, I was hoping to get to know people who have long experience in this field. As a young man with little capital, I look forward to your advice and teaching me if you can. I do not want to take risks and enter into something with little knowledge. I apologize for the length, and if you find that the language is strange to you, know that it is a Google translation, as I speak Spanish and am not fluent in English 🤍

@glasshalffull2930

2 ай бұрын

As an S&P500 investor of 40 years, I also approve this message. The S&P500 has the long term (decades) average return of 10%. Just keep contributing every month and if the S&P500 goes down, don’t panic! Just keep contributing as it will go back up. One important thing, if the market is fluctuating, don’t move the money out of the S&P500. This is known as ‘timing the market’ and it almost always results in lower profits.

How much should i invest each month in sp500. Newbie here, tysm

What platform do you use to trade sp500 etf? Thanks

@DemiZhuang

3 ай бұрын

Syfe Trade for now.

Love a good investing video!! The secret to building wealth is time in the market not timing the market. You dont have to be an expert to start. Just get invested and you can always course correct if you find tweaks that suit you better.

@glasshalffull2930

2 ай бұрын

That and an index fund following the S&P 500. Long term returns averaging 10%+. There will be ups and downs, but just keep contributing each month.

@Investingcoachw

2 ай бұрын

@@glasshalffull2930 absolutely!

Very good video but I have a question, if I choose to reinvest the dividends and capital, would this mean that I would not pay taxes until I want to leave the index? Or how often are they paid and declared? thank you

@DemiZhuang

4 ай бұрын

Taxes are paid on dividends

Thank you

Hi Demi, can you share what SG stocks you have bought?

@DemiZhuang

6 ай бұрын

kzread.info/dash/bejne/oHmswbGRZNfVes4.html REITS revealed here. Singapore Banks is the others. thats all.

How are you going to use the S&P500 ETF to finance and enjoy your desired lifestyle once you stop working? Good luck to all investors.

VTI is based VOO is good too Free trades? You pay for trades? Why?

@Coral_dude

15 күн бұрын

Yea doesn’t make much sense for dca

Hi Demi are you living in Ireland? 41% tax is crazy in Ireland

Is it bad to invest a large sum of money at once in sp500, instead of investing small sums every month?

@DemiZhuang

3 ай бұрын

If you do one lump sum you miss out on averaging the cost of your buy in if the markets goes down. But that being said if it goes up the same! If you have a lump sum, split maybe 1 sum in then the rest just average in over a period of time.

Very good video! Thanks for sharing. I think this is a good approach and am doing something very similar 😀

Don’t try to time the market…. It’s all about time in the market…. Automate your investing and forget about it…. Before you know it will be over a $ million b/c of compounding…. Keep it simple😊

@ezybroo1303

5 ай бұрын

You think i should lump-sum at ATH? Im still going to DCA, but idk if I should put some money rightaway at ATH...

Hmmmm.. isnt investing into VOO "diversified" enough?

Thanks for the video! Would like to us for time horizon of 20-30 years and realistically can put in about 400-500 sgd monthly, would VOO or Singapore dividend ETFs yield the most growth? Would like more info on this because VOO generally outperforms Dividend ETFs from the US but wondering if local ETFs can yield greater returns because there is no dividend tax in Singapore. Thank you so much!

@DemiZhuang

5 ай бұрын

I think both are for different goals that an individual would have. VOO is more for the compounding growth many years down the road whereas for SG Div ETF an individual is looking for dividend income that is sizeable of which once the portfolio grows to $X amount would provide.

Hi! Great video! Do you recommend a new investor should just DCA and chill?

@DemiZhuang

5 ай бұрын

Yes

I admire your brains, your strategy and your future. And as someone who invests and is a whole lot older than you, I've learned a few things from you. What a bright future you will have. Keep in mind always, that as important as investing in the future is, don't forget to take time to enjoy life, because health is more important than the money. Best of luck to you.

@DemiZhuang

Ай бұрын

Thank you so much!! 🥹 I'm learning each day, and I'll always remember this!

What platform will you suggest using to invest in Vanguard from Europe?

@pwns9652

2 ай бұрын

trading212 tbh

Great video Demi! Been loving your videos. Perhaps, you can consider the Russell 2000 Index, given your long term investment timeline. This index has underperformed as compared to the other indexes such as NASDAQ100 & S&P 500.

@rainingbeatshard

5 ай бұрын

should add a disclaimer on what the Russell 2000 is and why it is riskier...

I didn't pay much attention because I was doing my preps to go to work while listening, but you look cute. Subscribed.

Let’s say you want to invest $200 per month but the market isn’t where you want it to be(A high), it’s best to wait it out(low)?

Planning to invest next year, reading and watching videos related to learn

my mistake is Syfe trade hahahah .Thought save on Fees , but the exchange rate is horrendously bad . Exceeds the savings on the exchange rates.

The savings in DWHT from CSPX is more than what you save from your Sfye free trade and lower expense ratio of VOO. Further, IBKR offers better FX spot rate and not to mention CSPX is not subjected to estate duty that can be up to 40%. IBKR also recently enabled fractional trade, making the cost of DCA in IBKR minimal (no min comm). I also dont understand the rationale of ignoring dividends, sure, they are not going to be the bulk of your return, but they are still your return. Very odd that you care about the 0.06% fees difference between SPY vs VOO, but not the 1+% return from dividends. Anyway, you can have your own preference, but i think as a content creator with tens of thousands of views, the least u can do is to present the pros and cons objectively and accurately.

@DemiZhuang

5 ай бұрын

haha noted, with thanks.

@vax3459

5 ай бұрын

From Sg too.. Just like to ask is it better to sign up IBKR SG or the US one?

YOU BUY HIGH YOU BUY LOW it doesn’t matter you just have to be consistent monthly and max out the Roth IRA the market goes by trend it creates higher high then pullback to give a higher low in long term investing if you waiting for a dip you cutting yourself short

Awesome informative video.

What platform do you use to buy SG bank stocks?

@DemiZhuang

6 ай бұрын

DBS Vickers!

@krishnagiri4906

6 ай бұрын

DBS Vickers is so expensive I used IBKR to buy sg stocks

@Benjizzzz

5 ай бұрын

@@krishnagiri4906, I think that depends on the amount of stocks you buy, but please clarify if that isn't the case. :)

@manick7475

4 ай бұрын

​​@@krishnagiri4906Hi Brother - I'm new to investment. Can I use IBKR for SG stocks and Syfe for US stocks? Both are best?

Awesome information thank you Sister ❤🎉

Great video

i didn't know you can fractionally buy VOO

Good video thanks