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How To Invest in 2019 (How ANYONE can be RICH)

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Here’s a step by step guide of How to Invest in 2019 and the basic strategies to begin investing and growing your wealth - enjoy! Add me on Instagram/Snapchat: GPStephan Join the private Real Estate Facebook Group: https://www.facebook.com/groups/therealestatemillionairemastermind/ Get $50 off for a LIMITED TIME with code ThankYou50 - The Real Estate Agent Academy: Learn how to start and grow your career as a Real Estate Agent to a Six-Figure Income, how to best build your network of clients, expand into luxury markets, and the exact steps I’ve used to grow my business from $0 to over $125 million in sales: https://goo.gl/UFpi4c First, for those just looking for a basic place to put their money, we have the almighty Ally Bank Savings Account that currently offers a 2% interest rate. You can also use a few other high interest bank accounts, like Barclays, Sychrony Bank, or American Express Savings…they all currently offer around a 2% return. Second…and this is arguably the most important part of this entire video…when it comes to investing, especially if you’re JUST starting out, is set up a Roth IRA. This is basically an account that you can put money into, and by the time you’re 59.5, you can pull ALL of your profit completely tax free without paying ANY capitals gains tax. Vanguard has a great option for a Roth IRA if you chose to invest with them. Now third, in terms of WHAT to invest in, my BIGGEST recommendation for MOST people out there is to invest in an index fund with a low expense ratio. When people always ask “how can you get an averaged 8% return”…this is pretty much my advice. Long term, historically, over the last century, the stock market has returned about 8% annually, adjusted for inflation, with dividends re-invested. Ok…number 4…and I figured I’d put this here instead of listing it back to back with the Roth IRA…but that’s setting up a Traditional 401k. This is an account where whatever you contribute is deducted from your total taxable income, and you can grow your investment tax free until you take it out at 59.5. This means that you’ll have MORE money to invest because you’re paying LESS in taxes. The “catch,” however, is that you’ll pay taxes on whatever you take out of your account after the age of 59.5. Now number 5…back to investment options. If you want to, or you’re interested in doing a little more work, you can invest in individual stocks. I personally recommend you try to do this within a Roth IRA or 401k to avoid getting taxed on your profits…but this isn’t required. You can just as easily open an account on Robinhood, invest in individual stocks commission free, and reap some pretty great returns. Now Number 6…my favorite…obviously…is investing in real estate Real Estate. Now unfortunately, this is one of those things that you’ll probably need to work up to. Especially if you’re just starting, unless you have a decent amount of money to already work with, I’d probably recommend saving up or investing elsewhere and then coming back to real estate one you have some capital to work with. Typically, you’re going to need about a 15-20% down payment - which could be a lot of money depending on where you’re planning to invest. But real estate is my favorite for a few reasons: The first if that you get immediate cashflow from renting it out. Second, because of all of the tax deductions, most of that income you make is tax free Third, you’re able to BORROW most of the money to buy real estate and slowly pay that off over time Fourth, you’re building up equity as you pay down the loan - so eventually you’ll own it outright And finally, the property is likely to increase in value over time This is why it’s no surprise that 90% of the world’s millionaires are created through investing in real estate…and I’m absolutely no exception! And finally…number 7…drum roll…is investing into a business. And this is probably where you can get the highest return from just about ANYTHING I’ve mentioned so far, or pretty much ANY other investment out there. Now these are just a few ideas for you to go out and consider…some people might say forex trading, swing trading, etc, the list goes on. But as I mention time and time again, the higher the return, the riskier the investment, and that’s absolutely something to take into consideration. For business inquiries or paid one-on-one real estate investing/real estate agent consulting or coaching, you can reach me at [email protected] Suggested reading: The Millionaire Real Estate Agent: http://goo.gl/TPTSVC Your money or your life: https://goo.gl/fmlaJR The Millionaire Real Estate Investor: https://goo.gl/sV9xtl How to Win Friends and Influence People: https://goo.gl/1f3Meq Think and grow rich: https://goo.gl/SSKlyu Awaken the giant within: https://goo.gl/niIAEI The Book on Rental Property Investing: https://goo.gl/qtJqFq
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Text Comments (3139)
mattbandz47 (1 hour ago)
I learned everything about money by growing up poor
Jorge (13 hours ago)
;) I have 10K in VTSAX....I'm growing my investments. 10k in Ally, 5k in Robinhood, 5K in my Credit Union, 10k in Metals Gold and Silver. Graham inspires me, next step is to save for real estate. This is not including my 401k and HSA with my employer.
King (16 hours ago)
Also what are your thoughts on cryptocurrency?
King (16 hours ago)
How does Roth IRA compare to like a 401k
American Strong (19 hours ago)
Does the employer match still count as a tax reduction in your income?
Celegion (22 hours ago)
This all seems like a very attractive alternative but I’m just scared that I’ll invest 3000 dollars somewhere and just forget that it existed
Jack Lan (23 hours ago)
Man, I wish school taught me this. All I learned is the Pythagorean Theorem and Romeo and Juliet.
James Scoles (1 day ago)
What would be your opinion on profit sharing type retirement accounts if I work at a privately held LLC?
Cam K . (1 day ago)
😂😂😂🤣🤣🤣 Graaaaaham. You SIIIILLY! *sips tea* Fr Though. The Education System Needs To Be Radically Updated.
Ron Consumer (1 day ago)
WTF Avacado toast?? I was eating that when I was a kid back in the '60s and that's Baby Boomers territory.
Yossy Y (1 day ago)
people need to realize no one will tell you how to make easy money. Scammers will only lie, cheat, to make money out of stupids.
Sebastian L (1 day ago)
How any non-us citizen can invest deducting taxes on some equivalent of Roth IRA/401k ?
Upshall (1 day ago)
Gotta lotta Fortnite money, plz send lambo, thanks.
Graham Stephan (1 day ago)
James Finch (1 day ago)
To be fair, Algebra 2 contains most of the background math used in finances...
Midyan Shani (1 day ago)
2% a year ?
Namya Lusis (2 days ago)
Too bad am too young for this but at least I have a early start
Lindsay Pena (2 days ago)
Thank you so much for the information.
drippingwax (2 days ago)
Zillow shows a nice house in my town for $200,000 and says the monthly payment would be $944 with 20% down, $1,099 with 3.5% down, and $1,249 with 3.5% down and mortgage insurance. It also says the property would rent for $1,250, which would leave $1 for taxes, maintenance, and other expenses. At what point is this profitable? :)
Parth shah (2 days ago)
I thought the content would be bs but this guys is good.
David Biz (3 days ago)
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Gary Johnston (3 days ago)
Dinosaurs skull? I thought that was my exwife sitting there. She was a gold digger and I thought she found you now. Count your blessings it's a Dinosaura skull and not my ex.
Audio Stuff (4 days ago)
Are you canadian or american?
Graham Stephan (3 days ago)
playandrepeat (4 days ago)
DO you have a video detailing how to divide your money into each of these steps? How much of your monthly/annual income you put into the IRA, Index Fund, etc...
Henry Schermbeck (3 hours ago)
playandrepeat I said that because his numbers will be unrealistic compared to ours and we won’t get an idea of what to put into it ourselves
playandrepeat (15 hours ago)
@Henry Schermbeck how does that answer the question. how is that relevant. regardless of how much you make, you still have to divide a certain amount into different investments/accounts.
Henry Schermbeck (16 hours ago)
playandrepeat considering he makes around 150 grand + a month, a lot is going to be spread
Sebastian Soto (4 days ago)
Can you make a vid about car loans?
Supratim C (4 days ago)
Bro in my country savings accounts give min 4% in savings accounts. High interest private banks gives 6%.
TheIVJames (1 day ago)
That’s cool. What country?
Haesun Le (4 days ago)
HOW CAN I GET a 5 Percent Monthly Return ( IS IT POSSIBLE AND HOW TO GET IT )
MrEnwando (5 days ago)
I smash the like button every time he tells me to
SCHIJTERBAAS (5 days ago)
I invest 1 dip to early into crypto. But still hold the coins. But some alt coins did scams so that's lost money forever but hey i did with money i know i can lose without consequences.
Nisey B (5 days ago)
Is fidelity a good company to do a roth ira account with?
Lindsay Roberts (5 days ago)
@Nisey B welcome! they do not have any fees and match.
Nisey B (5 days ago)
@Lindsay Roberts thank you!!
Lindsay Roberts (5 days ago)
warren wallace (6 days ago)
https://www.fool.com/retirement/2018/09/02/dont-be-fooled-by-these-3-money-scams.aspx (Scam alert) this guy wants you to invest in the stock he's got to build up the stock so he can sell and take your money. Leaving you with the loss. Research and see for yourself.
James Liu (7 days ago)
I have 50 dollars cash when lambo?
Benj Houston (7 days ago)
Does robinhood have index funds?
Erik K. (7 days ago)
Your millenials love avacado toast got me to subscribe.
Phallusy (7 days ago)
Helen Wayne (8 days ago)
My sincere appreciation goes to hacker Phil on how he’s been helping my life. He helped to increase my credit card score to 800, he has been of help to me and he can also be of help to someone on this platform also .as he also loaded my bank account with money. Just contact him via WhatsApp +1(631)714-2240. and tell him I referred you as his services applies to only USA citizens.
Christopher LAUW (8 days ago)
FINALLY some actual information
Graham Stephan (8 days ago)
gbbrvern (8 days ago)
Graham i have 250000 cash what would u do?
Madison Deslongchamps (9 days ago)
You single boo?
HDD MOFP (9 days ago)
Which one of these methods works for non-US citizens?
Sound Speed! (9 days ago)
Don't hate upon Algebra II! As there is a strong corroboration between better mathematics education and improved financial literacy. You might not use the specific algebra tools you learn, but the better improved thinking you develop will greatly improve your financial aptitude in the future.
Stephen Jarrell (8 days ago)
Sound Speed! Do you mean correlation?
Zachary S (9 days ago)
Hello guys I want to thank Shawn gray for helping me get my credit score up to 820 he cleared all my debts and loaded my account with money all for FREE his services are for only USA citizens contact him today on WhatsApp +1 (619) 387-7180 I’ve not been in a more comfortable financial situation prior to meeting him don’t pass up this opportunity
Jose Aldrete (10 days ago)
Can you do a video on brinks savings accounts?
ForbidenProdigy (10 days ago)
Highest Risk: Give $300,000 to that Nigerian Prince that always sends you emails.
Akpobari Godpower (6 days ago)
Hey!! Don't spoil my business
Nick Bennett (10 days ago)
Obviously this is an old video, but even in your newer videos I haven’t seen it, have you looked into Aspiration online bank at all??? They have free banking, atm fee return, 2% saving accounts, and they even have the option to invest in IRA portfolios through them.
Tommy Hills (10 days ago)
Keep it up bro 💯
NPC 99845 (10 days ago)
2% interest is 0% interest (inflation)
Luke Bedros (8 days ago)
At least you arent losing 2%...There isn't much choice unless you are good at short term trades in the stock market
Chris Quimbo (10 days ago)
I didn't even notice the dinosaur skull before he mentioned it 😂
Joris Anthonius Wals (11 days ago)
Don't think this works for a 13 year old like me 😔
Itrades will definitely work for you. I could help you get through if you let me Joris
Toni Devine (11 days ago)
One thing that's not true that he said is if you are in a low tax bracket your not paying that much in taxes not true. Low income become pay huge taxes... It's called capitalism. I know. I have years of lived experience. But, the rest of the video 👌🏾
Great video
Graham Stephan (11 days ago)
MrChase021 (12 days ago)
could you invest index funds using robinhood?
roxanne scott (8 days ago)
I don't think so they sell individual funds
Philip Masse (12 days ago)
Ally Bank cheats their clients based on the way they calculate the Interest Rate they pay. They stagger when they pay the IR during the month and if you do a spreadsheet and compare the interest you would get, if you're getting interest paid at the end of the month VS the staggard approach that Ally uses, you'll see a sizeable difference in their favor.
jonny gage (13 days ago)
Lol !
Bertina Bilene (14 days ago)
your cool
Alex Aleshire (14 days ago)
I have $50,000 cash to invest what should I do
Mike B (5 days ago)
@Alex Aleshire, the number one priority is that if you have ANY credit card debt, pay it off. If you're paying c/c interest you are literally throwing money away. So, #1 is pay off any c/c. #2 make sure you have a minimum 3 months worth of money in an emergency fund. Some people say 6 months. So calculate how much money you spend every month (not how much you get paid) on rent, food, car insurance if you have a car, etc. Multiply that by 3 and take that money and put it into a savings account such as Ally. That way if you lose your job or there is a need to pay for something, you have the cash. #3 Open an account with a low cost, online brokerage such as TD Ameritrade, Etrade etc and put the balance of your money into no load mutual funds. Make sure these are index funds that mimic the stock market. You need to be diversified so don't put it all in one basket but any S&P 500 Index fund is a good place to start. There is a lot more to get into but you need to start doing research into what a diversified portfolio is. A good place to get info is in the r/personalfinance sub over at Reddit.
Oscar Oliva (9 days ago)
@Alex Aleshire Jacob theall spoke well but you need to be put through. Speak John on WhatsApp and u will be glad +15512726636
Alex Aleshire (11 days ago)
Jacob Theall I’m 27
Jacob Theall (13 days ago)
Depends on where you are right now. Are you close to retirement are you younger a lot depends on your age. As a younger person I'd recommend growth stocks AND REMEMBER TO DIVERSIFY!!!! Growth stocks are great if you're young cause you can sit back, wait a while come back and see where the company is now. If you're older and you need some income I'd suggest dividend stocks with a great record of increasing their dividend like KO, Coca Cola.
victoria stein (14 days ago)
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Gabriel Muhoro (14 days ago)
I have a company that will give you 18-24% ROI if you invest your money with us
TAE Apocalypse (15 days ago)
I deadass only want to get rich so I can buy my momma a house and an indoor gym
The Dealer (12 days ago)
facts b
Graham Stephan (15 days ago)
Ah that’s nice!
Jared Jones (15 days ago)
May or may not have just set up an account with Ally.
Mariana Avalos (15 days ago)
What about the marijuana business
Robert Mc Mullen (15 days ago)
Can I ask, who does your books (Taxes). 5 W's on where your taxable income goes and who I should look for inv my area?
Laith Mohammad (16 days ago)
0:59 the government doesn’t allow to teach that subject, it is easy to become rich in America.
Joseph Plocki (16 days ago)
Alright so im going to ask a dumb question but i just started my climb to the top so I think I'm allowed rookie questions... what % of ur income after need expenses do u split between Roth IRA, index fund, and emergency online savings.... Or to make it more simple how do u balance ivestments verses versus cushion money in online banking?
Robert Lee (16 days ago)
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Lincoln Daniel (17 days ago)
Sofi Money is better than Ally imo
The136th (17 days ago)
Avocado taste nothing. Nutritious yes, delicious no.
Zack Tisdell (17 days ago)
Goes to Australia finds out what supa is
Khiem Ngo (18 days ago)
Hi Graham, Is there a good website to invest when you're in Canada. I tried to sign up in Robinhood but it seems to be for the US only. And also, what do you think about investing when you're not a permanent resident yet in that country? Thank you in advance.
Mr. Bitcoin (18 days ago)
just invest in bitcoin graham lol
James Parker (18 days ago)
Lutherangrants org helped em financially .With a single application for a grant from them i received $60,000 .
William Michaeli (18 days ago)
I wish these videos would have been around when I became an adult. Got any advice for someone in their 30's who completely destroyed their credit lol?
Henry Goeskf (18 days ago)
Aaaah. So sorry to hear that man, we all make bad choices sometime in life. There are ways to get back on track, there's crypto for instance.
Ben Bezos (18 days ago)
In Germany the highest interest you can get on a bank account is maybe 0.25% 😭
Henry Goeskf (18 days ago)
Hahaha😂 sucks to have a bank account in Munich
Latonya Williams (20 days ago)
are there any 20 dollars stocks I can invest in 😂 no really?
young bumpy (18 days ago)
Sure most new cpos start around 20. Are you saying you want to buy 1 share. In that case you might be better off trying to buy a "option"
Michael Hall (20 days ago)
6:20 you sound just like the Grand Nagus from DS9....
JP Lowe (20 days ago)
Graham Stephan (20 days ago)
Gamekingz0r1 (20 days ago)
Buy a duplex and rent the other building or depending on where you live buy a house and rent out the rooms while living there.. Save the money and buy your first investment property.. After that keep the ball rolling
Sporty (21 days ago)
the intro reminds me x) google : asian avocado toast meme
OV_3Carp (22 days ago)
Samuel e.g. Smithh (22 days ago)
How do I win the powerball?
Graham Stephan (22 days ago)
Trying to figure that out myself
Esteban Galaz (23 days ago)
Garlic fries?
Puppys Eat Watermelon (23 days ago)
But one investment you should stay away from is buying a Lamborghini not worth to much money and brack down easy
Henry Goeskf (18 days ago)
Buying a Lamborghini as an investment is a bad choice😂
Brandon Moore (23 days ago)
Thoughts on Acorns or Betterment?? I've just started with them.
Graham Stephan (23 days ago)
Video coming soon
claytonbill (23 days ago)
Yeah, really wtf, US Department of Education?! Attend to day to day requirements: - how to live on a budget - how to get a job and live off its income while how to search for a better paying job - how to interview well - how to run meetings - how to create reports from self produced data (such as what you spend your money on) - how to invest (what are the instruments and how to strategize) - how to fix your body when it breaks / heal it when it gets sick - what workout routine will keep you healthy, for the most part - how to fight - how to survive in the wilderness, the desert, the mountains, the cold - how to start a fire - how to build the most basic inventions which set us (humans) apart from other animals (stoneware, metalware, clothing) - how to garden and raise crops and animals - how to slaughter animals (bleed them, cut them well, respect them when we eat them) - how to fish and trap - how to build a house How many of us learned these from our family and on our own? What's the ratio of those whom have learned them in school vs outside of school?
Graham Stephan (23 days ago)
So true
MegaJorn123 (23 days ago)
In Holland the current interest at saving accounts is 0.15%
Rocio Lopez (24 days ago)
Can you create an Ally bank account not being from the US? *asks om YouTube comments instead to the page itself*
Living like Leila (24 days ago)
This is probably a stupid question but maybe someone here can help me...I currently have a Roth IRA with RBC Bank. Can I also invest with Vanguard VTSAX or is that a Roth as well? Would I have to transfer my Roth over to Vanguard to do that?? Thanks in advance.
guintar dude (24 days ago)
Awesome video Graham, appreciate the time you put into these videos and the content. Glad your taking time to spread the word man, have a good one🙇‍♂️
Graham Stephan (24 days ago)
Thanks for watching!!
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projectgenes1s (25 days ago)
This information applies to Americans right? Roth IRA?
Matthew Hafner (25 days ago)
I'm 18 and im trying to learn about the economy but i don't understand a word you say
Henry Goeskf (18 days ago)
I know right, he doesn't really explain much of all this. I can give you better insight if you're interested.
Scott Brown (25 days ago)
I absolutely loved the comment about parents are more concerned about Algebra II instead of being a financial literate adult!
Graham Stephan (24 days ago)
Jim Ross (25 days ago)
Man can you please get some sound treatments for that room? It sounds like my old Fender amp's reverb effect...
Graham Stephan (25 days ago)
Oops yes
Andy (26 days ago)
A video you should do.. “how I spend my money monthly”
Graham Stephan (26 days ago)
I don’t 😂 https://youtu.be/Rn-Vt1EZT0s
Thomas (27 days ago)
Tuna, avocado, cottage cheese, better than just 🥑
King Crock (27 days ago)
What’s your thought on Rule 1 investing ?
sergio hoyos (27 days ago)
Very few yt channels about money are as reliable and fun as this. Keep it up man and thank you!
Graham Stephan (27 days ago)
Kim Clarke (27 days ago)
i'm from europe, is there a good video about investing for here?
NDog195 (27 days ago)
Most of the videos also apply to Europe in the most basic sense. Property/ index funds etc. It depends how much you have to invest, ease of access required and your risk level. Hope this helps
Coffee (27 days ago)
How much Robert Kiyosaki have you been reading?
SuperSTUPIDHORSE (27 days ago)
Is mutual funds a good alternatives to index fund? I don't think I can invest in index funds in Indonesia
NDog195 (27 days ago)
The problem is that mutual funds usually have high fees whereas Index funds do not. I am sure there must be companies that will allow you to buy these in Indonesia. I use Hargreaves Lansdowne (pretty sure they are global?)
DJ Paradox (28 days ago)
It's just avocado slices in toasted bread it's not expensive

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