💰 Sign up to Stake using this link below to get $10 FREE when you fund in Stake AUS, and a free US stock (worth up to $150) when you fund in Stake Wall St (US). hellostake.com/r/bryanl728 Code: bryanl728
I have a $90,000 portfolio that I've been working on for 5 years, but lately the volatility in the market scares me... Is the bull market over? I'm thinking about moving my investments to safer options like a hysa or T-bills. What do you think?
It depends on your goals-whether you're looking to grow your money, earn income, keep your savings safe, or how much risk you can handle and how close you are to retirement.
Accurate asset allocation is crucial with an Experts guidance. I have 850k in equity, 75 cash earning 5.25 interest, 685k in roth ira, 120k in 401k, Gold and silver bars. age is 48. My advisr helped me realign my portfolio to my risk tolerance and it boomed shortly.
Melissa Elise Robinson is the advisr I use and im just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with to set up an appointment.
Hi Bryan, your videos on investing, trading platforms, managing funds, property are very High quality due to accurate information, research, synthesising topics for new / early investors, traders. Well done keep up the great content and work. 🌟👍🏼
Just found this channel and already on my 3rd video. Really good content and capturing a market that isn't over saturated as most things Australian are not heavily represented on UA-cam. Cheers mate
Hey mate, thank you and welcome to the community. I think Aussie investors deserve more info and representation on UA-cam! More videos to come in 2024. Hope you have a wonderful new year 🎉
LIGHT I stumbled upon your content because my wife and I have always invested in properties (since 2010 and have amassed a good portfolio). We’ve never invested in stocks because of a lack of understanding and not feeling in control. We just had our first grand daughter and we’ve opened up an account (under our name) that is linked to an offset account and we transfer $140/fortnight into it. I’ve been doing research to start investing her money to take advantage of compounding interest until she turns 18. Sitting in an offset, we’re the ones taking advantage of the reward, and she would have about $65k when she turns 18. If we were to put it in an ETF, she would have more money by that time. Thanks so much for all your great content…it does make a difference to people that don’t have much understanding of the subject…and yes, I’ve watch the other video on investing in shares for your child (this instance grand child) Again, thank you and keep up the good work!
Thank you so much for sharing your story in great detail. It’s really touching that my videos made a difference to someone’s family. It’s so lovely to hear you are thinking about your granddaughter’s financial future. She will appreciate it more than you know in the future. All the best to you, your wife, and your beautiful family. Much love 💛
Great video - very well explained. I've owned shares directly for some years but new to ETFs. Would appreciate a breakdown of any difference between dividend payments vs ETF distributions, and anything to watch for on the tax side. LIGHT!
I've got a few tax related videos but I'll make more in future. Dividends and distributions are similar but the main difference is one is paid before tax and one after tax. You also report the dividend tax in different areas if you're using MyTax for your tax return. There could be some differences in franking credits too. Here's a few videos you can check out: ua-cam.com/video/qHFwxdNiDag/v-deo.html ua-cam.com/video/9t13QmDnbo0/v-deo.html
Watching video as I have never invested before and gonna do it first time so need to know everything from beginning. Your video explains it well. Thanks so much .. planning to buy through Stake the vanguard thing
Hi Bryan, I recently come across your channel and fall in love with how informative, simple and straight to the point your videos are. Great work on the videos! I do want to ask what are you opinions on A200 vs VAS. As A200 has reduced their management fee to 0.04%. Also your thoughts on VOO etf on US s and p 500.
Thank you Khaing Myat! Glad you like my videos. Yes, A200 is now 0.04% and VAS has reduced theirs to 0.07%. I’ve always been a fan of Vanguard so I’m happy to pay the extra fees which in the grand scheme of things, isn’t that much. Plus I like the extra diversification with 300 companies vs 200. However, just pick the one you like. In the long term, the performance should be very similar. The S&P 500 is the benchmark of the entire US stock market. So if they are doing well then America is doing well. VOO is the the US version of the ETF but you will have to worry about foreign taxes and currency. If you want an Australian domiciled ETF that tracks the S&P500 then look at something like IVV. They are domiciled in Aussie dollars meaning you can set up auto dividend reinvestments and it’s easier to work out taxes. By the way, are you Burmese?
@@BryanInvest Thank you for your reply and the effort you put into responding to messages. I absolutely love your videos! Keep up the fantastic work! 🎉
@@BryanInvest OMG! Thank you so much! It’s such a crazy coincidence I haven’t meet much Burmese friends in here 😂. Good luck with your UA-cam channel! I wish you all the best and great success on your content creation journey! 🌟🎉
Thank you for your straight forward education for beginners. Brilliant. I have joined interactive brokers because of there fees but find it difficult to navigate (I will persist to learn how to use ineractive brokers). I will also join an Austalian broker and buy some passive EFT straight away. Question-I live in Australia and want to know. By buying in inteactive brokers will this effect my tax when i retire or do i have to buy through a Australian broker. I am a home investor but now realise after fees(rates,maintenance, tax, land tax etc...) it no where compares to long term passive ETFS. I LOVE the idea of buy and leave-Taking into account most Australians do not go past 3 or 5 homes. Only 1% reach that magical number. I am very disciplined so using yout Dollar Cost Average Stratergy is simple and keeps one on track.
Hey Michelle, don't worry if you're using Interactive Broker Australia then it will be the same tax wise as any of the other Australian brokers. As for Real Estate vs Shares, I agree. Shares are easier to manage and saves a lot of time and stress. Good luck with your journey ☺
Your Stake App guide for Aussie investors is spot on. Any chance you could explore a wildcard like Fuse Minerals in one of your upcoming videos? Would love to see your take on it
Hi there. You have been an inspiration man. I wonder, if I have set up my dividends using DRP, can I still put in a portion of my income as more investment to my purchased ETF on a regular basis? I mean if I have already purchased a share of VAS, do I have to manually buy more VAS as I get my salary,say, 500 dollars every month? Or is there a smarter way to avoid management fee, similar to how DRP doest?
Thanks man! No, you cannot add your own money into a DRP, although it would be nice! Yes, you would have to manually buy more shares of VAS to add to your portfolio. The best way to save fees is to buy in larger increments. If you pay $3 for a $100 share. You would essentially losing 3% of the share value from the start. However, if it's $3 for $1,000 of shares then it would only be 0.3%.
Hi Bryan. Silly question... I still don't understand how Compound Interest works with shares. I know it happens, but I want to know HOW it happens. Say you buy 1 share at 100 bucks. It goes up to 150 the next year. Yes, you have a Capital Gain of 50 bucks. But you haven't physically gained anything in the bank, until you sell, right? All you have is one share in the stock market. And reinvesting your dividends, only buys more shares. So where does the interest part come in?
Yes that is correct mate. It's all paper gain. But that is the point. If you sell, then how can you portfolio compound? Compound interest is your portfolio getting bigger. The 'interest' is a combination of the gains from share price increase and dividends. Say you invest in an ETF that returns 8% per year (3% from dividends & 5% from share price). That 8% is your interest rate. The dividend you receive is buying you more shares. And those shares are continually growing in price. It's a combination of all these things that's creating the 'interest'. Hope that makes more sense.
Thanks Bryan! Do you have a video explaining EFTs vs buying individual stokes? For example having an EFT with apple/tesla etc vs buying the apple and tesla and and and and … separately? The pros and cons?
Hi Bryan. A return subscriber here. I’ve installed the CMC app since I wanna start small (zero brokerage fee for under $1000) and regularly invest but need guidance on this. Can you please make a video on using CMC app and some tips. Similar to this one. Thanks
Hey! Just subscribed, great videos! Can I just plug the 8% average return (from ETF investment) into a compound interest calculator to see what my investment could look like in the future. Or is it not that simple?
Thanks mate. Yeah, 8% is usually the average return you can expect in the long term. However, just be aware it's a historical return only and it's not guaranteed. But it is generally accepted that 8% is a good guide.
Another awesome video, so glad I found you from the ubank video =P, quick question mate, if your looking at long term investing 20-30 years, is there much difference between a platform like stake compared to vanguard directly to buy vghg fund etc? Or buying EFT over the managed vanguard ones? I see the benefits for EFTs if you want to change them quickly but long term I want to do what you said, monthly deposits and don’t touch them.
Hey mate! No, there isn't much difference (performance wise) other than flexibility. Buying from Chess Sponsored Broker like Stake allows you to transfer the shares, auto reinvest the dividends, among other things. Vanguard Personal Investor is quite biased to Vanguard products only. If you really are planning to just invest in a single Vanguard ETF then it should be fine. As for ETFs vs Managed Funds, there won't be much difference performance wise. ETFs are just a little more flexible and liquid.
Hi Bryan, love your videos! I’m 18 and looking to soon get into investing in the share market, what do you think about the ASX 200 as a long term investment or other ETFs? Thanks!
Interestingly, the ASX has performed almost the same as the US market for the last 30-40 years. I think a diversified portfolio of those two markets should continue to do well. Although it is not guaranteed of course.
Hey Bryan! Just want to double check with ya , rn it says "your first purchase in every new company or ETF on the ASX needs to be more than $500.00 + brokerage."
Hey Daniel, that’s correct. There is a rule where if you’re using a chess sponsored broker, you must buy a minimum of $500 for your first investment of a stock. After that, you can buy smaller amounts of the same stock.
Hi Bryan,Your video is amazing!Thank you so much.I'm a beginner in investing. If possible, I would like to learn from you how to buy the S&P500 using STAKE.Thank you
Thanks for watching! Do you want to invest in S&P500 from the US stock market or the ASX? They both track the same companies but one is domiciled in Australia and the other in the US. Anyhow, I'm working on a video about this so stay tuned!
It doesn't actually involve Stake. You can set up Automatic Reinvestment through your share registry. Check out this video: ua-cam.com/video/ds_1alAJgTI/v-deo.html
LIGHT! Yo bro! This is an amazing vid for like me who just came here in Au last Dec. So based from your videos, STAKE is the better option to go to for ETF Au broker, and is it chess sponsored?
Cheers bro. Hope your enjoying your stay so far in Australia. I personally use Stake. Yes it chess sponsored. IMO, it is a great option but there are other good brokers out there. Check out this comparison video if you want to know more: ua-cam.com/video/TD82JT3GgvE/v-deo.html
If using a chess sponsored broker (like Stake), you need to purchase at least $500 every time you purchase a stock for the first time. After the initial purchase, you can buy in lower parcels. This is called the minimum marketable parcel rule. So you won’t be able to just buy a few shares of VAS. Has to be at least $500 worth at first then you can buy in lower quantity after.
Light. Sorry I am very new to all this. So when do you make the actual money? When you sell, ideally when the selling price is higher than what you bought for (which might be on a 5 - 10 year time line), right?
Yes, that is correct. The whole point of the stock market is buy low and sell high. Usually the longer the time frame, the higher chance it will go up. However, nothing is guaranteed and we are just looking at the historical data and hoping it repeats itself.
Was wondering how dollar cost averaging would work with most CHESS-sponsored brokers like STAKE who don’t allow fractional shares on the ASX. To DCA would I have to use a broker that allows fractional shares
I don't believe there are any brokers that use fractional shares for Australian stocks. It's a US thing. You can just DCA to the nearest share unit cost. For example, it doesn't have to be $1,000 per month right to the cent. Most brokers don't offer auto DCA so you'll be manually buying your shares anyway. And most will round up or down your shares based on how much you want to invest.
Depends on your income. I read that 15% of your income is a good target. In the end, just invest what you can afford to lose for long time. Pretend you won’t see that money for several decades. Then if you’re okay with amount, that’s your ‘reasonable’ amount.
Hi Bryan, Could you please do a video on how to setup up DCA in an App? I've started using CMC Markets... I learnt it has to be a Mutual fund, but cannot find the option to DCA in the app.
Most of the time, you’re better off investing in larger amounts due to the brokerage fees eating into your profits for small amounts like $50. However, if you’re really keen then maybe check out Raiz Kids: raizinvest.com.au/blog/raiz-kids-savings-for-child/ I’ve also done a review video on Raiz (adult version) if you want to check it out: ua-cam.com/video/EbjtHHEEINQ/v-deo.htmlsi=xU7LKtEJRZr_syIL
Hi Bryan. Thanks for video. How to setup monthly sip for etf? Or is it available for mutual funds only? I am looking to put $200 every month in Ndia etf.
I am very much anguished by everyone who makes video about investing in Australia but not talking about "minimum marketable parcel" including you bryan. Why is everyone cheeky and skip about minimum marketable parcel. Why is it only Asx has it what is the logic of having this cutoff
I’m sorry you feel that way. The minimum marketable parcel is an ASX rule that requires you to buy minimum $500 for the first order of any stock. After that, you can buy as little as your broker will allow. I personally don’t feel the rule isn’t too unreasonable especially if you’re investing long term.
I am more interested to know the logic behind this rule. When other countries have even fractional share investing asx is still stuck with 500$ minimum investment. If you know the logical reason could you please let us know
@@littleevilpro It could be due to the companies listed on the asx having to fork out more money to maintain small holdings with registration & admin fees. The ASX is a much smaller market compared to the US market so the $500 minimum acts as small barrier on how serious the investor is.
Hi Bryan, new to investing here. I watched a different video, where they wouldn't recommend the VAS/VGS combination, due to tax and other reasons, and instead you should just put your savings into super. I'm just curious on your thoughts about this ?
Hey mate, haha I know which video you're referring to. That person works in the tax & super industry so understandably he's a bit biased with his reasonings. Although, I completely agree with him that putting your savings into super is the most tax efficient way to invest provided you are okay to keep working until perservation age which is currently 60. You will save thousands in tax doing it this way. However, some people want to retire earlier in their 40s or 50s and for those people, they would need to invest outside of super into ETFs like VAS/VGS which can grow and potentially provide dividends for them to live off. I still personally like the VAS/VGS combo and think it provides enough diversification. Sometimes over-diversification can be a bad thing. Of course all this is my own opinion, and you should consider your own personal circumstances before making any decisions.
@@BryanInvest Ah, I see. Well, thanks Bryan for the well-thought out answer and why each path has it's advantages/disadvantages. Maybe a future video comparing these two strategies would also be interesting.
@@BryanInvest Hey Brian, I have another question. I've seen this happen sometimes, where VGS is down but all three main indexes of the US were up. Could you explain why this happens ? Is it a currency thing ?
@@kairos_fluent Could be a couple of things. 1. Currency fluctuations. 2. VGS is only about 70% US so the other countries may be underperforming. 3. It could be the day after paying dividends which generally weakens the share price.
💰 Sign up to Stake using this link below to get $10 FREE when you fund in Stake AUS, and a free US stock (worth up to $150) when you fund in Stake Wall St (US).
hellostake.com/r/bryanl728
Code: bryanl728
Lll
I have a $90,000 portfolio that I've been working on for 5 years, but lately the volatility in the market scares me... Is the bull market over? I'm thinking about moving my investments to safer options like a hysa or T-bills. What do you think?
It depends on your goals-whether you're looking to grow your money, earn income, keep your savings safe, or how much risk you can handle and how close you are to retirement.
Accurate asset allocation is crucial with an Experts guidance. I have 850k in equity, 75 cash earning 5.25 interest, 685k in roth ira, 120k in 401k, Gold and silver bars. age is 48. My advisr helped me realign my portfolio to my risk tolerance and it boomed shortly.
Can you share details of your advis0r? I want to invest my increased cash flow in stocks and alternative assets to achieve financial goals.
Melissa Elise Robinson is the advisr I use and im just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with to set up an appointment.
Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.
Hi Bryan, your videos on investing, trading platforms, managing funds, property are very High quality due to accurate information, research, synthesising topics for new / early investors, traders. Well done keep up the great content and work. 🌟👍🏼
Thank you mate. I appreciate it 🙌
Just found this channel and already on my 3rd video. Really good content and capturing a market that isn't over saturated as most things Australian are not heavily represented on UA-cam. Cheers mate
Hey mate, thank you and welcome to the community. I think Aussie investors deserve more info and representation on UA-cam! More videos to come in 2024. Hope you have a wonderful new year 🎉
LIGHT
I stumbled upon your content because my wife and I have always invested in properties (since 2010 and have amassed a good portfolio). We’ve never invested in stocks because of a lack of understanding and not feeling in control. We just had our first grand daughter and we’ve opened up an account (under our name) that is linked to an offset account and we transfer $140/fortnight into it.
I’ve been doing research to start investing her money to take advantage of compounding interest until she turns 18. Sitting in an offset, we’re the ones taking advantage of the reward, and she would have about $65k when she turns 18. If we were to put it in an ETF, she would have more money by that time.
Thanks so much for all your great content…it does make a difference to people that don’t have much understanding of the subject…and yes, I’ve watch the other video on investing in shares for your child (this instance grand child)
Again, thank you and keep up the good work!
Thank you so much for sharing your story in great detail. It’s really touching that my videos made a difference to someone’s family.
It’s so lovely to hear you are thinking about your granddaughter’s financial future. She will appreciate it more than you know in the future. All the best to you, your wife, and your beautiful family. Much love 💛
Thanks Bryan, I stumbled this page, this is exaclty what I am looking for someone who could easily explain the how to invenst in ETF in australia
Hey Mariebel, glad you found it useful! I wish you all the best on your investing journey 👍
Thank you Bryan for all of the LIGHT you've given me for this topic of ETF's.
Glad it helped! Good luck mate 🫡
Great video - very well explained. I've owned shares directly for some years but new to ETFs. Would appreciate a breakdown of any difference between dividend payments vs ETF distributions, and anything to watch for on the tax side. LIGHT!
I've got a few tax related videos but I'll make more in future. Dividends and distributions are similar but the main difference is one is paid before tax and one after tax. You also report the dividend tax in different areas if you're using MyTax for your tax return. There could be some differences in franking credits too.
Here's a few videos you can check out:
ua-cam.com/video/qHFwxdNiDag/v-deo.html
ua-cam.com/video/9t13QmDnbo0/v-deo.html
Light… nice video for starters like me
You are the first one to whom I subscribed. Thanx for the informative content
Thank you mate. All the best 👍
Watching video as I have never invested before and gonna do it first time so need to know everything from beginning. Your video explains it well. Thanks so much .. planning to buy through Stake the vanguard thing
Awesome! Glad to hear my video helped. Wish you all the best with your investing journey 💙
Thank you that was very helpful and so clear. Appreciate it. I learnt a lot. Amazing.
Awesome! Glad it helped 😊
Light! Amazing work mate. Your videos are really helpful
Thanks! I appreciate it.
Hi Bryan,
I recently come across your channel and fall in love with how informative, simple and straight to the point your videos are. Great work on the videos!
I do want to ask what are you opinions on A200 vs VAS. As A200 has reduced their management fee to 0.04%. Also your thoughts on VOO etf on US s and p 500.
Thank you Khaing Myat! Glad you like my videos.
Yes, A200 is now 0.04% and VAS has reduced theirs to 0.07%. I’ve always been a fan of Vanguard so I’m happy to pay the extra fees which in the grand scheme of things, isn’t that much. Plus I like the extra diversification with 300 companies vs 200. However, just pick the one you like. In the long term, the performance should be very similar.
The S&P 500 is the benchmark of the entire US stock market. So if they are doing well then America is doing well. VOO is the the US version of the ETF but you will have to worry about foreign taxes and currency. If you want an Australian domiciled ETF that tracks the S&P500 then look at something like IVV. They are domiciled in Aussie dollars meaning you can set up auto dividend reinvestments and it’s easier to work out taxes.
By the way, are you Burmese?
@@BryanInvest Thank you for your reply and the effort you put into responding to messages. I absolutely love your videos! Keep up the fantastic work! 🎉
@@BryanInvest yes I am Burmese 😊 student studying in Australia. You are such a legend. I have learned so much from your channel!
@@khaingmyat1075 I was also born in Burma 🇲🇲 Good luck with your studies and enjoy your stay in Australia. If you need any help, let me know.
@@BryanInvest OMG! Thank you so much! It’s such a crazy coincidence I haven’t meet much Burmese friends in here 😂.
Good luck with your UA-cam channel! I wish you all the best and great success on your content creation journey! 🌟🎉
Light.
Glad I found your channel. Always wanted to learn how to invest and surely learning heaps from your videos.
Awesome mate! Glad to have you with us 🤝
Light. Amazing mate, appreciate your help! Very helpful
Light! I moved to AU a few years ago and I can finally start investing! Thanks for the video and explanation
What a clear well deserved video you have produced. Thank you
Thanks so much for the kind words! 😃
Super concise and easy to follow, thank you!
Appreciate the nice feedback! 😊
Light!! Thanks. I’m in my early 20s going for the long term run 😊
You are so lucky to have discovered investing at this age with decades ahead of you! I wish I started this early. Wishing you all the best, Luna 😊
LIGHT. Really informative & engaging, nice work!
Thanks Harry. I appreciate it 😊
Thank you for your straight forward education for beginners. Brilliant. I have joined interactive brokers because of there fees but find it difficult to navigate (I will persist to learn how to use ineractive brokers). I will also join an Austalian broker and buy some passive EFT straight away. Question-I live in Australia and want to know. By buying in inteactive brokers will this effect my tax when i retire or do i have to buy through a Australian broker.
I am a home investor but now realise after fees(rates,maintenance, tax, land tax etc...) it no where compares to long term passive ETFS. I LOVE the idea of buy and leave-Taking into account most Australians do not go past 3 or 5 homes. Only 1% reach that magical number. I am very disciplined so using yout Dollar Cost Average Stratergy is simple and keeps one on track.
Hey Michelle, don't worry if you're using Interactive Broker Australia then it will be the same tax wise as any of the other Australian brokers. As for Real Estate vs Shares, I agree. Shares are easier to manage and saves a lot of time and stress. Good luck with your journey ☺
Thanks Bryan, for the excellent info, very useful! (had to play the video at half speed so i could catch everything 🤣🤣)
Haha thanks mate. You did well. Sometimes I don't even realise how fast I talk until I'm editing it.
I freakin' love your background. So much Nostalgia!!! 🤩
Yeahhhh! The 90s was the best decade to grow up in ☺️
You sure made LIGHT work of this detailed video 😎
Thanks Mike you legend 👊
I’ve been with Raiz for 3 years. Thinking of making the move to Stake.
Congratulations! Time to graduate 😃
How did you find Raiz?
Light!! Thanks for the info, everything is explained simply
Cheers! Glad you enjoyed it ☺
LIGHT!!!! love your videos, very informative and clear. Keep up the great work. ❤️
Thanks so much 😄
Your Stake App guide for Aussie investors is spot on. Any chance you could explore a wildcard like Fuse Minerals in one of your upcoming videos? Would love to see your take on it
Light!
Your vids are so cool, thanks for helping me get started!!
Cheers mate! Welcome to the community 🙌
Light!
Love your video! Super informative and very simple to understand. Thank you 😊
Thanks for the support! 😊
Light ! Just saw vid by chance and keen to begin my investing journey
Good luck Raymond. I'm pumped for you! 💪
Light, Thanks a lot Bryan
Hi there. You have been an inspiration man. I wonder, if I have set up my dividends using DRP, can I still put in a portion of my income as more investment to my purchased ETF on a regular basis? I mean if I have already purchased a share of VAS, do I have to manually buy more VAS as I get my salary,say, 500 dollars every month? Or is there a smarter way to avoid management fee, similar to how DRP doest?
Thanks man! No, you cannot add your own money into a DRP, although it would be nice! Yes, you would have to manually buy more shares of VAS to add to your portfolio. The best way to save fees is to buy in larger increments. If you pay $3 for a $100 share. You would essentially losing 3% of the share value from the start. However, if it's $3 for $1,000 of shares then it would only be 0.3%.
Thanks for the LIGHT on ETF
💛💛💛
also helpful, thank you. you shed a little light on this for me
Glad I could help! All the best 😊
I've seen the LIGHT 💡 nice vid bryan
Thanks Jeff 👊
Hi Bryan. Silly question...
I still don't understand how Compound Interest works with shares.
I know it happens, but I want to know HOW it happens.
Say you buy 1 share at 100 bucks.
It goes up to 150 the next year.
Yes, you have a Capital Gain of 50 bucks. But you haven't physically gained anything in the bank, until you sell, right?
All you have is one share in the stock market.
And reinvesting your dividends, only buys more shares.
So where does the interest part come in?
Yes that is correct mate. It's all paper gain. But that is the point. If you sell, then how can you portfolio compound?
Compound interest is your portfolio getting bigger. The 'interest' is a combination of the gains from share price increase and dividends. Say you invest in an ETF that returns 8% per year (3% from dividends & 5% from share price). That 8% is your interest rate. The dividend you receive is buying you more shares. And those shares are continually growing in price. It's a combination of all these things that's creating the 'interest'. Hope that makes more sense.
The penny just dropped! Thanks for explaining, Bryan. :)
@@duanebonney Nice one. Now go turn that penny into dollars my friend 👊
@@BryanInvest you bet!
LIGHT. Thanks a bunch mate. 😊
Cheers mate 💡
Light. Love this. I appreciate You!!
Thanks for your support mate! I really appreciate it 💙
Thanks Bryan! Do you have a video explaining EFTs vs buying individual stokes? For example having an EFT with apple/tesla etc vs buying the apple and tesla and and and and … separately? The pros and cons?
Yes 😊 I made a recent video about this: ua-cam.com/video/Wq0LWl7lDPE/v-deo.html
etfs are the happymeals or combo deals/family deals of investing
Haha, never heard that one before but that's a nice way of putting it.
Very nice video and info… thank you Bryan! 💕💕💕it
Thanks mate
Light, enjoy your videos for Investing for Dummies like me.😬🤣
Hi Helena, haha we all start somewhere. Glad my videos helped 😊
Great video. Thank you!!!
Cheers mate!
Been waiting for this ❤
Light 😊
I hope it was worth the wait 🙏
Light! thanks bro will for sure to use your referral link
Cheers bro! Good luck 👊
Hey i love your videos its very informative... can you make one video on mutual funds in Australia
Thanks mate. I'll put it on my list.
Light
Hi Brian, what is the best updated stock apps or news stock apps in Australia? Anyway, I love all your videos. Please keep sharing, thanks 🙏🏻🙏🏻🙏🏻
I'm actually doing a review of a new stock app right now. Video will be out soon! Thanks for you support. Many more videos to come 😄
Good pod cast well presented 😊
Thanks! 👍
light thanks man for the help
🙌
Light light light
Cheers mate 🤙
👍👍👍
light
Insightful content Bryan, thank you! This video also makes me want to buy a Nintendo Switch haha!
Haha, thanks mate. Do it. It’s worth it just for the nice aesthetics alone 😂
Light. Thank you!
💡
SUBSCRIBED!!!!!!!
But what does “expire in 30 days”means? So if i don't want to sell my share in 30 days am i still a share holder?
It means if the order doesn’t get filled with 30 days, it will be cancelled. You are a shareholder indefinitely once your buy order has gone through.
Hi Bryan. A return subscriber here. I’ve installed the CMC app since I wanna start small (zero brokerage fee for under $1000) and regularly invest but need guidance on this. Can you please make a video on using CMC app and some tips. Similar to this one. Thanks
Hey Sayanti, thank you for being a subscriber! I absolutely plan to do a CMC review/guide video soon. Stay tuned! 😊
Light 💡, thank you bro
Cheers bro 👍
Hey! Just subscribed, great videos! Can I just plug the 8% average return (from ETF investment) into a compound interest calculator to see what my investment could look like in the future. Or is it not that simple?
Thanks mate. Yeah, 8% is usually the average return you can expect in the long term. However, just be aware it's a historical return only and it's not guaranteed. But it is generally accepted that 8% is a good guide.
Another awesome video, so glad I found you from the ubank video =P, quick question mate, if your looking at long term investing 20-30 years, is there much difference between a platform like stake compared to vanguard directly to buy vghg fund etc? Or buying EFT over the managed vanguard ones? I see the benefits for EFTs if you want to change them quickly but long term I want to do what you said, monthly deposits and don’t touch them.
Hey mate! No, there isn't much difference (performance wise) other than flexibility. Buying from Chess Sponsored Broker like Stake allows you to transfer the shares, auto reinvest the dividends, among other things. Vanguard Personal Investor is quite biased to Vanguard products only. If you really are planning to just invest in a single Vanguard ETF then it should be fine. As for ETFs vs Managed Funds, there won't be much difference performance wise. ETFs are just a little more flexible and liquid.
Hi Bryan, love your videos! I’m 18 and looking to soon get into investing in the share market, what do you think about the ASX 200 as a long term investment or other ETFs? Thanks!
Interestingly, the ASX has performed almost the same as the US market for the last 30-40 years. I think a diversified portfolio of those two markets should continue to do well. Although it is not guaranteed of course.
..............light. 🙂
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Hi @bryan! Great video as always, very informative!Can you also make a video for setting up a kids bank account?
Thanks mate. I’ll definitely put your idea on the list!
Light good info mate cheers
Appreciate it mate 😊
Do you have a video showing an example of the earnings you would get?? this is interesting!
Light. Great vid
Cheers bud 👍
Light
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Hey Bryan! Just want to double check with ya , rn it says "your first purchase in every new company or ETF on the ASX needs to be more than $500.00 + brokerage."
Hey Daniel, that’s correct. There is a rule where if you’re using a chess sponsored broker, you must buy a minimum of $500 for your first investment of a stock. After that, you can buy smaller amounts of the same stock.
Thanks bro, I'm gonna transfer over to Stake.
Cheers bro 😎
Light
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Hi Bryan,Your video is amazing!Thank you so much.I'm a beginner in investing. If possible, I would like to learn from you how to buy the S&P500 using STAKE.Thank you
Thanks for watching! Do you want to invest in S&P500 from the US stock market or the ASX? They both track the same companies but one is domiciled in Australia and the other in the US. Anyhow, I'm working on a video about this so stay tuned!
@@BryanInvest Thank you so much for reply.
I am looking forward the video!
Thanks mate how do you reinvest dividends through Stake? Cheers
It doesn't actually involve Stake. You can set up Automatic Reinvestment through your share registry. Check out this video: ua-cam.com/video/ds_1alAJgTI/v-deo.html
light!
Light . . Great video
I appreciate that 👊
Thanks
Light
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Light !
Hey mate the screen of the app become squished in the corners hard to watch on the phone 📱 😅😅😅
But great video thanks 😊
Hello! Thanks for the feedback. I didn’t want to leave out any info but I’ll make sure the screen is bigger next time.
LIGHT! Yo bro! This is an amazing vid for like me who just came here in Au last Dec.
So based from your videos, STAKE is the better option to go to for ETF Au broker, and is it chess sponsored?
Cheers bro. Hope your enjoying your stay so far in Australia. I personally use Stake. Yes it chess sponsored. IMO, it is a great option but there are other good brokers out there.
Check out this comparison video if you want to know more: ua-cam.com/video/TD82JT3GgvE/v-deo.html
💡thanks Bryan. Light
⭐️
What is the minimum dollar amount you can buy per transaction?
Ie can you just buy 1 or 2 VAS stocks ?
If using a chess sponsored broker (like Stake), you need to purchase at least $500 every time you purchase a stock for the first time. After the initial purchase, you can buy in lower parcels. This is called the minimum marketable parcel rule. So you won’t be able to just buy a few shares of VAS. Has to be at least $500 worth at first then you can buy in lower quantity after.
Light. Sorry I am very new to all this. So when do you make the actual money? When you sell, ideally when the selling price is higher than what you bought for (which might be on a 5 - 10 year time line), right?
Yes, that is correct. The whole point of the stock market is buy low and sell high. Usually the longer the time frame, the higher chance it will go up. However, nothing is guaranteed and we are just looking at the historical data and hoping it repeats itself.
Was wondering how dollar cost averaging would work with most CHESS-sponsored brokers like STAKE who don’t allow fractional shares on the ASX. To DCA would I have to use a broker that allows fractional shares
I don't believe there are any brokers that use fractional shares for Australian stocks. It's a US thing. You can just DCA to the nearest share unit cost. For example, it doesn't have to be $1,000 per month right to the cent. Most brokers don't offer auto DCA so you'll be manually buying your shares anyway. And most will round up or down your shares based on how much you want to invest.
LIGHT. Can we get more passive income videos? Also, respect to Psyduck at the back there. 🦆
Psyduck is so underrated 🦆
thanks bryan. side note I think you’ll need to iron your shirt-fold creases away!
LOL! I know right? And the funny thing is it was a brand new shirt 😅
Quick question - Is there a reasonable amount tat you think should be invested every month
Depends on your income. I read that 15% of your income is a good target. In the end, just invest what you can afford to lose for long time. Pretend you won’t see that money for several decades. Then if you’re okay with amount, that’s your ‘reasonable’ amount.
Hi Bryan,
Could you please do a video on how to setup up DCA in an App?
I've started using CMC Markets...
I learnt it has to be a Mutual fund, but cannot find the option to DCA in the app.
No worries mate. I'll put it on the list.
Light - do you invest more on au or us market??
I invest in both. A bit more in US.
Does Stake offer a recurring investment? I.e If you want to automatically invest your fund to certain stocks monthly or whatever you like?
Light. Cheers for the code
👌
Light. Am I too late to start doing any sharetrading at the age of 51 or have I missed the boat?
Never too late mate. However, at that age, you'd probably want to be a more conservative given you're nearing retirement age.
Light :) is there an app where you can invest small amounts like $50. But not comsec pocket? Would be great for kids!
Most of the time, you’re better off investing in larger amounts due to the brokerage fees eating into your profits for small amounts like $50. However, if you’re really keen then maybe check out Raiz Kids: raizinvest.com.au/blog/raiz-kids-savings-for-child/
I’ve also done a review video on Raiz (adult version) if you want to check it out: ua-cam.com/video/EbjtHHEEINQ/v-deo.htmlsi=xU7LKtEJRZr_syIL
light. I wish i could have found your click earlier. thank you for the info of saving fees.
Thanks for watching! 💙
@@BryanInvest I used your code to apply a stake account but it's still in the stage of verifying. Do you know how long it takes?
@@suesu940 If you provided your online identification then it should be quite fast. 1-3 business days.
Enjoying the videos, thanks! LIGHT
Thanks mate 👊
Hi Bryan I am new in investment. I like your videos always. Can I ask you Stake is good platform to do trading?
Hello, by trading you mean day trading? Stake is one of the best platforms for regular long term investing.
Hi Bryan. Thanks for video. How to setup monthly sip for etf? Or is it available for mutual funds only? I am looking to put $200 every month in Ndia etf.
Do you mean auto invest into ETFs? Only a few Aussie apps have this feature currently. Go check out Pearler.
I am very much anguished by everyone who makes video about investing in Australia but not talking about "minimum marketable parcel" including you bryan.
Why is everyone cheeky and skip about minimum marketable parcel. Why is it only Asx has it what is the logic of having this cutoff
I’m sorry you feel that way. The minimum marketable parcel is an ASX rule that requires you to buy minimum $500 for the first order of any stock. After that, you can buy as little as your broker will allow. I personally don’t feel the rule isn’t too unreasonable especially if you’re investing long term.
I am more interested to know the logic behind this rule. When other countries have even fractional share investing asx is still stuck with 500$ minimum investment. If you know the logical reason could you please let us know
@@littleevilpro It could be due to the companies listed on the asx having to fork out more money to maintain small holdings with registration & admin fees. The ASX is a much smaller market compared to the US market so the $500 minimum acts as small barrier on how serious the investor is.
also...light
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Wonderful video Bryan! Can you please make a video real estate investing and if now is a good time to buy? (LIGHT) ☀
Thanks Wendy. I do plan to make more real estate videos in the future 👍
How do I buy VOO from Australia ? Do I have money in my aud account but won’t let me transfer that money to USD
VOO is only available on the US market so you’ll need to use your Stake Wall St account. Have you set up a Wall St account or is yours just Australia?
💡 LIGHT
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Hi Bryan, new to investing here. I watched a different video, where they wouldn't recommend the VAS/VGS combination, due to tax and other reasons, and instead you should just put your savings into super. I'm just curious on your thoughts about this ?
Hey mate, haha I know which video you're referring to. That person works in the tax & super industry so understandably he's a bit biased with his reasonings. Although, I completely agree with him that putting your savings into super is the most tax efficient way to invest provided you are okay to keep working until perservation age which is currently 60. You will save thousands in tax doing it this way. However, some people want to retire earlier in their 40s or 50s and for those people, they would need to invest outside of super into ETFs like VAS/VGS which can grow and potentially provide dividends for them to live off. I still personally like the VAS/VGS combo and think it provides enough diversification. Sometimes over-diversification can be a bad thing. Of course all this is my own opinion, and you should consider your own personal circumstances before making any decisions.
@@BryanInvest Ah, I see. Well, thanks Bryan for the well-thought out answer and why each path has it's advantages/disadvantages.
Maybe a future video comparing these two strategies would also be interesting.
@@BryanInvest Hey Brian, I have another question. I've seen this happen sometimes, where VGS is down but all three main indexes of the US were up. Could you explain why this happens ? Is it a currency thing ?
@@kairos_fluent Could be a couple of things.
1. Currency fluctuations.
2. VGS is only about 70% US so the other countries may be underperforming.
3. It could be the day after paying dividends which generally weakens the share price.
@@BryanInvest That makes things clearer, appreciate the reply Bryan (misspelled your name in earlier comment ha).