Index Funds vs ETFs vs Mutual Funds - What's the Difference & Which One You Should Choose?
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- Опубліковано 21 лип 2020
- In this video I discuss the differences between Index Funds vs ETFs vs Mutual Funds and give you my opinion on what's the best investment is for your portfolio.
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DIFFERENCES: I want to start with Mutual Funds and why I think they are a mistake to purchase in this day/age. Mutual funds have been around the longest and the biggest identifier of a mutual fund is that it is professionally managed - this is also referred to as ACTIVE management. Stocks that are chosen within a Mutual Fund are chosen by a professional stock manager.
The fund fees are often higher because well, you have to pay the mutual fund manager to do the work. Typically mutual funds charge 1-2% per YEAR on the amount that you have invested into the mutual fund, which is called their expense ratio.
Index Funds typically have low fees. Their management style is PASSIVE management. An Index Fund is like a Mutual Fund, but it has no portfolio manager, thus saving you on fees.
An Index Fund just is constructed to MATCH or TRACK the components of a financial market index, such as the S&P 500. By buying the S&P 500 Index Fund, such as VFIAX, for around $300 you get to own a small percentage of the entire index.
Index funds seek to match the risk and return of the market, on the theory that in the long-term, the market will outperform any single investment. And
SO whats an ETF then?
Well a ETF is still a basket of securities, but its main difference is that it trades on the market so you can buy and sell it throughout the day, an Index Fund however, only trades once per day.
If you buy an ETF, since it trades like a stock, you’ll still be paying some commissions on it with a typical online broker.
Since ETFs do trade on the market, you can buy and sell it as you please, which, if you want that flexibility, it’s there. However, I would just recommend buying and holding if you are purchasing an ETF that tracks the market.
The other difference is that with these online brokerages, you may be able to buy into ETFs using fractional shares - which means if you have $50 you can buy a portion of an ETF, instead where some Index Funds might have a minimum - VFIAX for example has an initial minimum of $3000.
So which one is right for you?
Overall, I don’t love Mutual Funds. So with the remaining options - I would say, go with an Index Fund if you can meet the minimums and want a very passive strategy where you don’t want to be involved in your own portfolio, with Index funds you can also automatically reinvest dividends which is super powerful. Buy an ETF if you want to have more control over your own portfolio, and if you want to buy fractionally into them.
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Disclaimer: I am not a financial advisor, any investment commentary are my opinions only. Some of the products and services that appear on this channel are from companies that I have an affiliate relationship with, such as Robinhood, for which I recieve a small percentage made via those links, but it doesn’t cost you anything extra!
I did the lump sum buy at first, 125k into SCHD, 75k TSLA, 25k VYM, 25K VUG. Now I'm dca buying roughly 2k every week of whatever is on sale, and looking to add more tech positions to my portfolio. I'm looking to hold long term 15 - 20 years, so hopefully my lump sum buy in doesn't bite me in the ass long term.
In the past weeks, my "unexciting" index funds provided me with over $6,000 in dividends, giving me the option to spend without selling shares. Currently, I've opted to reinvest the dividends to acquire additional index funds for future growth.
Interesting. I appreciate the implementation of ideas and strategies that result to unmeasurable progress. Being heavily liquid, I'd rather not reinvent the wheel, thus the search for a reputable advisor, mind sharing info of this person guiding you please?
She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.
ETFs offer exposure to a wide range of assets, such as stocks, bonds, or commodities, which can help reduce risk. ETFs, like broad market index, sector-specific, and bond ETFs, are favored for long-term investments because of their diversification, reducing risk while offering growth and income potential.
Many promising stocks across industries are worth tracking. While it's not necessary to act on every prediction, enlisting the guidance of a financial advisor is advisable. They can assist you in determining optimal entry and exit points for purchasing and selling shares or ETFs, ensuring well-timed decisions aligned with your investment goals.
I fully agree and place great value on my advisor's role in guiding my daily investments. They excel in both long and short strategies, managing risk for potential gains and protection against market downturns. Their access to exclusive insights and in-depth analysis makes exceeding expectations a regular outcome. In the two-plus years I've worked with my advisor, I've gained over 1.2million dollars.
@@noah-greene Kindly share the details for reaching your advisor. With inflation negatively affecting my funds, I'm in search of a more lucrative investment strategy to optimize their performance.
@@noah-greenewho is your advisor please, if you don't mind me asking?
"Gertrude Margaret Quinto" is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment
Trying to build your income and prepare for retirement? It’s important to choose stocks that are expected to hold up in inflationary environments. To combat the negative effect of inflation, it’s a good idea to diversify your portfolio across different asset classes, such as stocks, bonds, and real estate, since this can help protect your portfolio against inflation. I have seen People making up to $500k in a month during high inflation. You too can do same.
This is exactly what I need right now. I have been doing all by myself and losing money faster than I can make. I need a professional assistance.
You are already on the right path by knowing that you need professional assistance. As a beginner, the best thing you can do to help yourself in this business, is get yourself a financial advisor. This way you can make money and also learn the trade.
The best way you can assist me now is you pointing in the right direction, by giving me the best recommendation you have.
My financial advisor is *Christy Val D'souza* . She is licensed and registered and has since provided entry and exit points on the securities I focus on. You can look her up online if you care for supervision. I basically follow her trade pattern and haven’t regretted it.
I highly recommend you contact *Christy Val D'souza* . Like I said she is the best broker, investments portfolio manager and financial advisor I know. This is because I have tested her services firsthand. She has never failed me or anyone I recommended to her. She is trustworthy.
I was confused with these funds before but it’s SO much clearer now. Thank you for the straightforward explanation! I love your channel and I will share w my family and friends 😊
awesome ! I am happy that it was easy to understand.
This video was super informative! Seeing you on TikTok and following other financial/business professional accounts, I am beginning to build my way to “financial freedom”. Thank you for clarifying the Index fund and mutual fund. I almost considered putting my money into a mutual fund, but after learning how high fees could be, I’m just going to opt for an index fund.
Sounds great Justin, yeah good call lol! Thanks for following me on Tik Tok and here :)
After a terrible 2022, shell-shocked financial backers have a lot to think about and losses to recover from. An expansion report and a wealth of other data did little to alter assumptions that the Central bank would likely keep raising interest rates regardless of whether the economy slows down. This implies that portfolios will experience more losses during the first quarter of 2023. I'm currently at a crossroads deciding whether to exchange my $250k security/stock portfolio; how might the continuous market volatility work to my advantage?
Concentrate on two main objectives. First and foremost, keep yourself safe by knowing when to sell stocks to reduce losses and maximize gains. Second, prepare yourself to gain from a market turnaround. I advise you to seek the advice of a representative or financial counselor
@@DavidAntony-gq7id In fact, ever since Coronavirus, I've been in regular communication with financial examiners. Nowadays, buying moving stocks is quite easy; the trick is knowing when to buy and when to sell. The section and leave orders for my portfolio are made by my counsel. accumulated more than $550,000 from a $150,000 savings that was initially stale.
@@harrisonjamie794 Please provide the information for your investment advisor here. I really need it now.
@@DavidAntony-gq7id She is KRISTIN GAIL CUNNINGHAM , my consultant. Since then, she has devoted section and leave attention to safeguards that I have been keeping an eye out for. You can locate information about the chief online, on the off chance that you're interested. I made no regrets about substantially adhering to their exchange strategy.
@@harrisonjamie794 sincerely thank you I looked her up on the internet and was awestruck by how qualified she was; I contacted her since I need all the help I can get with canning. I've just scheduled a call.
Thank you so much! I am so glad that I found your channel. Your presentation style is very simple and easy to understand🙏
Very clear and helpful : thanks! Didn’t realise mutual funds had such high fees!
BTW does each country have different index funds and are they limited to just one country’s stocks? Or are there more global’ index funds that track multiple countries’ stocks or index funds just for emerging markets etc etc ?
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks
@@SarahWood-ro9dz However, if you do not have access to a professional like JUDITH ANN PEACE, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments
@@bankstephen7241 Oh please I’d love that. Thanks!
@@SarahWood-ro9dz Judith Ann peace is her name
Lookup with her name on the webpage.
Nice video mate. By the way, if you were adopting a monthly dollar cost averaging plan, would you do it via an index fund or an ETF?
So much complexities. 🤦♂️I think FX-Trading is just the simplest yet you make a very good passive income weekly.
Not a Pro. LoL. I work with "Sandra Yvonne Webster" in all honesty she is an Angel. Do your own research!
Sandra was here in Utah for a seminar. She spoke about Nft bubble Great speaker, full of humor and rhetorics too. Lol!
These bots are getting scary good
Fake ass convo Smfh
Omg. I’ve been doing all wrong. Please talk about more about stocks for dummies! How to choose stock, etc. Please also talk about investing per ages 30s, 40s, 50s.
thanks for the suggestions, for sure :) I appreciate you watching
Great channel! In my late 20's and STARTING to understand the value and importance of early savings. While I may have missed the boat to some degree, it's still incredibly beneficial to start whenever!
Major indexes booked their worst yearly performance since 2008 thanks to drivers like the recession, war, hiked interest rate and inflation which so far doesn’t seem to be easing off, so I’m left wondering what 2023 has in store for us investors, I’ve been sitting on over $745K equity from a home sale and I’m not sure where to go from here, is it a good time to buy or do I wait?
It’s a good time to buy in on the market, so seize the opportunity to purchase stocks on sales.
stocks are your best bet atm, the housing market are currently a mess
I think stocks will plummet further before actually experiencing steady growth and there are still quite a few stocks that makes for a good buy this season, you just have to do your research, but to be on the safer side and not second guess your market decisions, I’d suggest you reach out to a proper investment adviser for guidance, they’re better equipped at understanding market patterns/movements and adjusting portfolio to match up with these market trends.
my portfolio is down over 15% just last month alone and It’s been that way for the best part of 2022 and I really could use professional help, I’m close to retirement. have you worked with an investment adviser before and could recommend any?
My advisor is ‘’Catherine Morrison Evans’’ she’s highly qualified and experienced in the financial market. She has extensive knowledge of portfolio diversity and is considered an expert in the field. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market
This perfectly answers some questions a friend was asking me the other day. Now I can just share this video. Thanks, Humphrey!
Kelly!! Im happy to see you in my comment section :)
Appreciate Video! Excuse me for butting in, I would love your opinion. Have you ever tried - Rozardner Flying Bird Reality (Sure I saw it on Google)? It is an awesome one off product for learning a simple option trading secret to win big minus the headache. Ive heard some awesome things about it and my best friend Jordan finally got great success with it.
THIS is the info and the channel I've been hunting for! Thanks fam! 🙏🏼
you're welcome brotha!!
Nicely illustrated! Perhaps make a video on the different ways you can buy an index fund (i.e. VFV, ZSP, VSP, SPY, VOO) etc
will def consider, thank you!!
Omg, I'm about to invest to mutual funds. I'm so glad that I watch this video. Thanks man! 💯🔥
You are welcome!
Nothing wrong with mutual funds. A portfolio of index funds and mutual funds will keep the costs low and give you the benefit of both. There are some mutual funds, for example some of the ones managed by Baillie Gifford that are not much more expensive than index funds and provide a much greater return. I dont agree that all mutual funds are bad maybe you just havent done the research into the best performing ones. Here in the UK its not just picking the right funds but also choosing the necessary accounts to hold them in. For example whether that be in a pension, ISA, Investment Account etc…
Been trying to understand these concepts for sometime. Especially the aspect of fees from a mutual fund. This is the first time it's made sense. Thanks!!!
Index Funds and buying individual stocks for that risk/reward factor is the way to go. I prefer that passive approach for sure while also loving the ability to get myself some shares in Apple, etc 🤣. You cleared up a ton for me man! Subbed
Plain simple, understandable. Good job 👍🏻
Thank you. I appreciate your videos and the way you lay it all out for us laymen. It's always good content and information.
I really don't know how to thank you man... you've cleared all my doubts.
You’re welcome bro
Hi been following your video's, very good video's but i have a question, can i treat ETF the same as Index funds concept, meaning set it and forget it? And will the ETF have the same benefit as Index to which the dividends be reinvested?
This vid is great, you got my sub....your content is straight to the point and clear. Great candy jar and m&m example.
Great video. I'm a late arrival to investing for retirement. I've only had a Roth IRA for about a year now and have about 3k in it. The majority of my assets are mutual funds. Luckily all my expense ratio's are pretty small ranging from 0.04 to 0.65. With that being said, I think I'm gonna pivot to ETF's just to be safe. If things go according to plan, I still have between 20 - 25 years left before retirement so hopefully I can build up a nice nest egg. Anyways, thanks for all the valuable tips!
Chris Glazener, 20 years x 6000 dollars a year is 120,000 not counting the interest and your funds increasing over the years, consider putting at least 10% of what you earn into a 401 at work or similar fund that brokerage can set up for you. You need at least $300,000 to retire, $500,000 is a lot better. Don't mean to scare you, but that is your goal. Last year I was treading stocks, and made $6000 into my Roth without putting any money into the account. Keep doing what you are doing and you should do well. Oh something else multiply 3000 dollars x 6% you get $180 a year, you could get 8% some years or more, so compounding works well. Oh a $100,000 x 6% the lowest you should expect is $6000 and you can keep adding the $6000 a year on top of that, and of course no taxes. That's the beauty of the Roth, you can only pull out what you deposited with nor penalty, before 59 1/2.
@@brucerowe2895great advise. To summarize: the first $7000 goes to max your ROTH, next max your 401k, and finally set aside some funds for your brokerage account.
Thank you for all the insight!! Any idea why Dave Ramsey recommends mutual funds over index funds??
Lol. Kickbacks?
Just subscribed. Thanks for educating & being so genuine about it!
Thanks for the info. I wish I had found your channel sooner.
This is a great video. Very clear. Now I know the difference between these three and which one is the best for me! :)
Question: Is it true that holding an ETF will be more tax-efficient than holding an index fund? I am confused. I know that an index fund manager has to rebalance his holdings (and therefore incur tax consequences). Doesn't an ETF manager need to do the same thing?
Thank you so much for breaking this down in layman terms for us beginners. This was finally the video that turned the light bulb in my head on
Thanks for making this video. It is very helpful for a new investor to understand the differences.
This video was awesome, glad I subscribed because your strategy for teaching is simple and more than helpful!!!
I see that the S&P 500 has a bunch of different index funds that track it. How would you pick which fund to invest in?
I like going with the lowest expense ratio (fee) fund.
@@humphrey I’m new to investing, I have 30k in my Questrade TFSA account looking to invest in 100% VEQT. So all I have to do is buy as many shares I can with my 30k and that’s it? Besides logging in to buy more shares every month for 30+ years, I don’t need to do anything else on my Questrade account? Can I set it and forget it?
Great video, fantastic job explaining the similarities and differences between these investment options, and I found it very informative.
I noticed one crucial aspect missing, and that is tax liabilities associated with these investment vehicles. I believe including information about tax implications would greatly benefit your viewers.
If I remember correctly, one of the key attractions to ETFs, is the tax advantage they offer. Investors in ETFs typically do not have to pay taxes on capital gains until they sell their shares, allowing for tax deferral and potential tax savings. On the other hand, investors in mutual funds may be required to pay taxes annually on capital gains, which can impact their overall returns.
Let me know if I got it wrong.
Extremely helpful! Literally been searching all of UA-cam for this explanation. Thank you!!!
Omg, I finally have a clear understanding of what these funds are and how they work! Thank you so much for simplifying the information. You're awesome!
You're so welcome!
Hi, great video on ETF, Index funds and Mutal Funds. It will be more helpful if you give example of real ETFs and perhaps show how they are doing? Also, what is the min required amt for buying PTF?
S&P 500 is a good example
Great video; clear and concise information. Thank you, Humphrey.
You definitely explained this the best out of the other videos I watched on this topic. I finally understand now. Liked and subbed!
I’ve been looking to this kinda straightforward explanation , thanks man!
This videos was very helpful! Very direct information and especially easily to understand. Thank you.
Finally an explanation I understand. Thank you. Can you talk about what it means and what happens when the market crashes? What happens to money you've invested so far and your shares and stuff?
Thanks for your comment. If the market crashes your investment reflects the adjusted price of the security you purchased, so in the event of a market crash, you still own the ETF/Index Fund, but it may just be worth less - but over a long period of time (40+ years), it should continue to grow. If you look at all the historicals in the past 100 years, for the most part the indexes go up slowly over time. Where people get tripped up is that they want a fast return so they get into more speculative investments. I hope this helped! GL
Very well explained! Very clear, easier to understand! Great video! Thank you !
This is so helpful, thank you! I just open a Roth IRA and want to learn more before I really get started. Took a 12-week personal finance course a few months ago and have been doing a little research. Love your approach to sharing this information!
Where did you take this finance course?
Great explanation! Super simple and clear. Just what am looking for. The difference between index fund and etf. Now I know. Thanks to this video!
Was searching for a short and easy explanation, the thumbnail immediately caught my attention. Great job
Boom! Thank you.
As always, great knowledge sharing! I learn new stuff every time. Thank you, Humphrey
My pleasure Diego, I am glad you came by. Haha, 'my pleasure' sounds like a Chik-Fil-A salutation.
@@humphrey hahaha It does
This is very educational, Humphrey. You are doing a great service.
A small criticism about accuracy. Index funds are not a separate category unto themselves. There are mutual funds that are index funds and there are ETFs that are index funds.
Textbook definition:
An index fund is an investment fund - either a mutual fund or an exchange-traded fund (ETF) - that is based on a preset basket of stocks, or index.
Thank you for adding this comment. I was wondering why he spoke as if it was a separate category…
I love yours vids bro. I take notes when applicable and feel like I’ll be able to be financially free at a relatively early age
Thank you, that was informative and concise.
2:27 okay graham stephan...
Great information, but what I need to know is where did you get that cool Back to the Future poster behind you? Seriously.
LOVE THE VIDEOS! Thanks for making them 10mins and not 20mins like others lol
An issue you neglected to cover when comparing ETFs and Index funds is that ETFs do NOT necessarily trade at their Net Asset Value, whereas Index Funds are, usually, sold at *exactly their NAV.* This means that in theory it is possible to buy undervalued ETFs and wait for a market correction, however, it is exceptionally rare for the ETF brokerages to actually allow small owners to exchange their ETFs for the underlying stocks, which creates an air of doubt as to what actual value ETFs have, given that they are effectively FIAT unless you own a substantial enough portion of the total ETF to have the right to exchange your shares in the ETF for the shares in the proverbial "Candy Jar".
Thanks for the clarity. It all gets a little crazy after a while!
This video made it clear for me for good. Thank you
Thank you 😊. You are super awesome and brilliant!!!!
Solid advice. Thank you
Thank you, the simplest explanation ever! I really enjoyed your video in fact I have subscribed as well.
Thank you for making videos about these types of Funds! I wish they did teach this in school. At least high school :(
You're so welcome! Yeah lol they don't, but that's why I'm here!
Thanks for the video! If I were to invest in an etf and later decide to invest into the index fund equivalent to that etf, how does it transition?
I think it is just a completely separate purchase at that point :)
Thank you for the informative video. When is a good time to buy an index fund?
LOVED your video, thanks a lot!! Finally those things make sense now.
what website should i used to buy mutual funds/? or its ok to just use my bank thanks
Glad i found this channel, subscribed! Keep the great content going!!
Awesome, thanks for subbing! Appreciate the support.
Thanks for a very clear explanation of the differences
You are welcome!
Im so glad ive been watching your videos. i had an interview with a new bank just now trying to sell me on mutual funds, BUT I KNEW THAT WAS RUBISH! Putting it all in Index Funds going forward!!!
Amazing explanation. Thank you👍!
Thank you! If there is a fee for buying an ETF through a brokerage, would there be a downside to just buying individual stocks that match the ETF? Would the downside just be initial investment cost?
yeah the initial investment cost + hassle + if you bought every single individual stock of the ETF I suppose you'd also pay that # of times in transaction fees as well
@@humphrey Thanks for the reply! Great, informative video!
how to buy dividends stocks and etfs from your TFSA and retirement accounts?
Really fantastic video, created a lot of notes for my future investing! Thank you so much!
Thanks! Very clear! 👏
Glad it was helpful!
2 questions.
Do you buy just 1 index fund and set it and forget it or multiple like stocks?
Can you keep adding money into the index fund?
Yes you can buy 1, or you can buy a variety. Most people like to buy a few to diversify further bwatch my video on “simple three fund portfolio”. Yes. You can keep adding money to an index fund.
@@humphrey CAN YOU GIVE US THE PEOPLE TOP 2 INDEX
very well explained, thank you!
Not investing related but omg @ the reputation Taylor box in the back!
What is the difference between ETFs tracking same index? For example Vanguard S&P 500 ETF (VOO) $388 vs iShares S&P 500 ETF (IVV) $423. If they are both tracking S&P500 what is the benefit of buying IVV at a higher price?
Nice video, I appreciate the clear description!
thank you for watching!
@@humphrey Hey Humphrey, I really like your content and you clearly have some great ideas and experience, so I only say this because I want to keep watching your content. I feel like the last disjointed bit at the video made the video feel a little "cheap" overall. I can appreciate the goal of hitting that mark for the algorithm, but it kinda made it feel like you care more about discovery than retention. Making sure that you have 10min videos I think is a fine goal, I just don't think that should be achieved with "extras" that don't relate thrown in.
@@complexmadesimple4631 appreciate the comment. I definitely care about retention and sorry if it came off as "cheap".
@@humphrey It's really OK! Keep up the hard work!
Great video, but I was even more impressed with the completely unrelated bonus content :D I don't think I've seen other people do it that way
Hahahaha you are welcome :)
Very helpful! Thanks so much for the info. :)
Wow, this is super helpful thanks!
Well explained 🙏🏼
Awesome video, you mentioned minimum requirements for an Index Fund, what are those requirements?
Handsome and informed, thank you!
Graham Stephan analogies. (Destroy that’s like button) Love it!
Haha trying to be like him one day, we'll get there! Appreciate the comment too.
Humphrey Yang awesome. Can’t wait on the next video!!
Thnku
Informative but mutual funds don't necessarily suck, plenty of overperforming ones with .7 -.8 % expense ratios that have outperformed the market.
I like your KISS ( Keep It Simple Stupid ) breakdown !
I love yoy Humphrey!! You are a blessing!!
Simply thank you
you crleary explain the difference between theses portfolio, I was confused. Thank you
thank you ! very well explained. *thumbs up*
Bogle says--Don't go looking for the needle in the haystack, buy the haystack.
PREACH
YES I LOVE THAT BOOK
So when investing in these particular categories or baskets are the baskets a already pre picked or can create your baskets? Or create your own ETF, Mutal, Index funds?
Great video
Love your explanation and clarification.
👍
Thank you sir
Much appreciated.
Thanks
Very well explained, good job!
Hey Humphrey! So can I buy into an EFT and trade into (not sure if that's the right vocabulary) an index fund?
Thanks, any thoughts about Fundrise?
Great explanation! Thanks!