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A Complete Manual with respect toYour Detailed BBudget Worksheetb Raymond James

[Music].hye-young investor society this is James.Fletcher founder of young investor.society and today we're going to talk.about step four in our five steps of.financial freedom and step four is to.learn how to invest money so so far.we've earned money we've saved money.we've set a financial plan and now since.we have excess money we're going to.learn how to invest it and harness the.power of compounding so the objectives.today are to explain the difference.between saving and investing to make.personal investment goals and to.calculate how much money we will need to.accumulate under various circumstances.so let's get started I have a question.what are some of the things that you.would like to save and and spend on far.into the future so five years from now.what is something that you would love to.have money for what about 20 years from.now what is something that you would.like to save and have money for what.about 50 years from now what is.something that you would want to save.and have money for now oftentimes the.way to achieve big numbers which you.need let's say to buy a house or to.retire the only way to get to these big.numbers is to harness the power of.compounding and to be able to invest so.think about your list and then we you.can divide your list into short term.goals which we would define as below.five years and long-term goals which are.items that are above six years into the.future so when we've identified short.term goals and long term goals then we.can divide them into what are the.categories that we're investing for and.those are items that are above five.years and what are the items that we're.saving for and savings would be our.items that are below five years okay so.what does saving money mean saving money.means to put money into a checking a.or a savings account at a bank that is.earning a relatively low interest rate.and is low risk but is also liquid so we.can we can get it out at any time and.there's very little risk and so that is.the money that we're saving what is the.money that we're investing the money.that we're investing our is the money.that we are walking away for the long.term but that we hope we'll get a higher.rate of return so the first thing about.investing is that investing does carry.risk the higher return that you expect.the higher risk that you're able to take.so when you're investing it will go up.and down more does that mean that we.shouldn't invest no investing has been.the best way to grow your money much.more than savings so what are some.examples of investing we can invest in.stocks in mutual funds in bonds in real.estate in commodities like gold these.are some examples of investing so you.may ask what are the returns that I can.expect if I invest so if I'm able to set.aside money today for 10 years from now.what are the returns that we can expect.so the reality is we have no idea what.the returns will be 20 years from now.but what we can do is have a good idea.by looking at history so if we look at.history and this is this is done from.the period of 1926 all the way to 2010.so almost a hundred years and let's look.at the various investing asset classes.where you could put your money on what.they deliver so if we put it in small.stocks we would have gotten the highest.return which is 12 percent annualized.return per year over the past hundred.years international stocks have.delivered 11 percent return per year.over the past 100 years large cap stocks.in the United States have delivered nine.point nine percent returns per year so.these are very healthy ten percent.returns what about real estate or REITs.according to Raymond.real estate or REITs have delivered.about six and a half percent over the.past hundred years corporate bonds have.delivered about five and a half percent.government bonds is about five and a.half percent and then commodities and.gold would be about three and a half.percent so you may ask why anyone would.want to invest in government bonds if.you're going to earn a much lower return.than small cap stocks the answer is the.government bonds have much lower risk.and much lower volatility than small cap.stocks and so over the long run small.cap stocks are most likely than not.going to give you a higher return than.something safe like fixed income but.over a short period of time they're.going to go up and down and have more.volatility so so these are the returns.more or less that we can expect when.looking at where we should invest our.money so now you know about saving and.investing about short term goals and.long term goals and you know the general.returns that we can expect when.investing in the different asset classes.so let's go through a case study let's.go through a case study of a man named.Larry and Larry wants to know how he.should invest and where he should invest.he just graduated from college and he in.three years he would like to buy a new.car Larry is also $10,000 in debt with.student loans which are paying the.interest rate so so should Larry save or.should Larry invest and and if invest.where should he invest what do you think.he has a car car payment that he's.saving up for.he has student debt that he's.accumulated the answer is that Larry.should pay off his loans before he.invests so so he should focus on saving.first so he has a car payment that he.needs to save for and before that he.should pay off his debt pay off his high.interest rate debt.investing is important but we should.only focus on investing when we've met.our short-term savings goals so I hope.Larry's example helps you of knowing.when we should save and when we should.invest our money and helping and looking.at what is short-term and what is.long-term will help us in these goals so.look at your list that you created or.the thought list that you had at the.beginning when you classified it into.what is short term and what is long term.and now think about it should I be.saving or should I be investing and.where should I be focusing my my money.over these next couple years when you.look at your long term goals and these.are big goals of you know saving two.million dollars for retirement or saving.$50,000 for a down payment on a home how.much do I need to save and then how much.do I need to start investing that money.and then what interest rate I need to.achieve to achieve this goal one of the.ways that we can achieve this is to to.figure out what the compound interest.needs to be so remember our previous.lessons on compound interest and.remember our examples on setting SMART.goals so let's say you need to save.$50,000 for your down payment on a house.how much do I need to invest and let's.say I can invest $1,000 per month toward.this goal so what is the rate of return.that I need to achieve to to set aside.$1,000 per month or twelve thousand.dollars per year to add up to $50,000.let's say over three years now the way.that you can solve for this is you can.go to an online calculator like yahoo.finance calculator and calculate what.required rate of return I need to.achieve to achieve this investment goal.and if and if the required rate of.return to achieve your retirement goal.of two million dollars let's say needs.to be ten percent then you know where.you need to put.you runny you know that it would be too.low in real estate or government bonds.that this money needs to be placed in.the stock market to earn that required.rate of return so I hope this is helpful.of understanding what is saving what is.investing and your long term goals need.a time period which you need to achieve.them need an amount which you can save.and add to that investment account and.then you need to understand what.required rate of return I need and how.can I achieve this required rate of.return I hope this helps you in your.investing it's the fourth step of.financial freedom and oftentimes it's.the most crucial to allocate your money.in the amounts necessary for meeting.your short-term savings goals and also.investing to reach your long-term goals.we're nearing the end of this lesson and.so take a look at hand out for handout.for talks about the rule of 72 and.basically the rule of 72 is a cool.little trick which says how long it will.take to double your investment so.$10,000 to $20,000 at what rate of.return you can expect of how many years.it will take to double the investment so.so read the read the worksheet and we'll.come back and discuss what your results.were.alright welcome back young investor.I hope you enjoyed handout for learning.about the rule of 72 so what are the.answer so at the first one if you get a.4% annual rate of return it will take.you 18 years so 272 divided by 4 18.years to double your investment what if.you can get 6% it would take you 12.years what if you can get 12% so in our.lesson 12% was synonymous with.international stocks or small cap stocks.this would take you six years to double.your investment and then our last.question reverse the formula for eight.years.what required rate of return would you.need to double your investment in eight.years and the answer would be a 9%.required rate of return so the rule of.72 is a quick rule to help you if you.need to get this amount of money in nine.years and you need and you have this.much today.what required rate of return what.investment do you need to make to get.that required rate of return so I hope.that helped will now tackle the FAQ part.of our lessons so some of the frequently.asked questions when we do this module.is first James what should my first.investment be I'm a teenager I'm.learning about investing I want to.invest for the long run what should my.first investment be now you'll remember.when we went through those required rate.of returns or the average rate of return.over the past century is that in general.the stock market large cap stocks over.the past a hundred years have given you.about a 10 percent annual return on your.money this is a great return and this.will this rate of return will meet the.majority of your retirement goals so to.start investing I would highly recommend.that you just by a simple ETF a simple.index fund of maybe the SMP 500 or the.MSCI World Index or the Vanguard World.Index but basically just get exposure to.the stock market and the stock market.will give you.over the long run this this eight nine.ten percent return which will which will.start to generate wealth and start to.compound for you the other investment.that you should make is an investment in.a savings account an emergency fund and.so like we talked about during the.lesson first focus on getting your.savings right getting rid of debt and.then start to invest.I wouldn't recommend putting a lot of.money in specific stocks right away I.would start with index funds ETF and.then start to add in ten twenty percent.of your portfolio and start to invest in.stocks and start to learn about it young.investors you know that we sponsor you.through the dollar a day challenge and.so if you are part of young investor.society if you're learning to invest and.if you start to invest a dollar per day.or thirty dollars per month you are.eligible for a match so write the essay.on why is org find out the requirements.for getting your sponsorship match and.all young investors should apply for.this match and get the and get this.dollar a day sponsorship so what should.I do to start investing invest in ETFs.and then apply for the dollar a day.match because that's free money three.hundred sixty five dollars that you can.receive just for being a why is member.and starting to invest the next question.that I often receive and it's because.I'm a professional portfolio manager is.okay James these were the returns that.were generated by the stock market in.the past hundred years of the past.decade what do you expect for the next.decade or what should I expect for a.reasonable rate of return in the future.so we can't predict the market in the.short term and so you if you ask me what.the stock market will do a year from now.two years from now I have no idea I.don't think anyone really has any idea.the short term is very unpredictable but.over the long period of time over.any 10-year period the stock market has.been positive and so you're in very.confident comfortable ground that at the.future ten-year period or 20-year period.will be positive as well and we should.expect good returns similar to history.what I will say and this is the year.2019 is that you need to look at where.the stock market valuations are and so.we'll talk about it in future units but.one of the ways to evaluate how.expensive the stock market is is a p/e.ratio or an earnings yield of the market.and in 2019 that p/e ratio or the.Shiller p/e ratio is looking high which.means you're paying more for the.earnings the average earnings of the.stock market so what that means in.layman's terms is the stock market is.more expensive today than it was five.years from now because the stock market.has gone up and what does that mean for.future results it may mean that over the.next five years returns may be lower I'm.not a market pontificate er I'm not.trying to predict the the future returns.of the market but in general history has.shown you that if you're buying the.market when it's at a historical low.valuation your expected returns are.likely to be higher than the average but.if you're buying it at a historical high.evaluation you may expect the returns to.be lower and so your expected returns.over the next five years may be lower.because of the valuation level that.we're at today in the markets but over.ten years do I think you'll make money.in the stock market I do that's because.over every ten-year period over the past.century the stock market has delivered.positive returns so I hope this helps.answer your questions and I hope you.enjoyed this unit on investing.

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