 I'd like to welcome everybody back to the channel here. We're going to jump in, do an M1 Finance review. All the stocks that are available in this tutorial are also available to you in a framework portfolio that I've built for you. That's in the description below. The link will kick you over to the way that I've givied up the S&P 500 and the 10 individualized slices. So it makes it very, very easy. Independent investor channel is affiliated with M1 Finance. If you click on any of the links, the channel can receive a small compensation for offering content like this. I do this to provide a tutorial on portfolios and different strategies that you can use. M1 Finance can be used most appropriately for those investors that just want to put it away and forget about it. It's a passive investing forum. It's a great platform to use for ETF investing, as well as dividend growth investing because you just invest in it and you forget it. You fund the holdings up portfolio, redistributes those funds as you fund it. M1 does all the work for you and all you've got to do is just invest, monitor the progress in the portfolio. That's why I roll these out with some frequency so we can continue to evaluate the progress. You can understand some of the features and functions of M1 Finance with that, guys, let's jump into the portfolio and get started. Probably no better way to demonstrate the power of investing by just taking you into a portfolio like this one to show you what's possible. This is one of many strategies that you can deploy in your application. This is a dividend growth strategy which invests in a lot of the companies that we know and love, that we can recognize. I'll go down the list of the holdings within this portfolio. M1 Finance allows you to invest any amount of money into single companies of your choosing and allows you to adjust the amount of money that you want to go to each one of them and really allow your money to spread out with the opportunity made possible through M1 Finance in purchasing partial shares of companies. So if you were going to buy full shares of companies in a traditional brokerage account, you may only look to buy five or 10 shares of that one company. M1 Finance allows you to select the companies whether it be 20, 30, 50, whatever it is. There's 79 holdings in this specific portfolio, all companies that I didn't necessarily want to own in a larger capacity in the other accounts. So I put smaller positions in here to allow them to grow. This is established to be passive in nature and allow the dividends to work. Now M1 has offered a new feature here, which is kind of cool where you can click into here and see where the dividend renderings are coming from. I'll click in there real quick and just show you what this is. This is what the portfolio has rendered in a way of earned dividends through each of the slices there. Makes sense, utilities on the top here. Kind of surprised to see technology there other than the fact that I do have traditional dividend paying stocks in this portfolio and some of the other holdings that have a dividend, maybe a smaller dividend payout like Apple, Microsoft have smaller dividends in the larger portfolios because I own a lot bigger positions in these. So we'll escape out of this and go back to the homepage here. Just a quick recap of the portfolio. We've owned this since December of 2019. So just shy of two years, which is pretty impressive. And I think for a lot of people out there that are looking at does investing work, what is a realistic anticipated rate of return or an anticipated growth over my money or is my money gonna remain stagnant over the years or what's the freaking point? And I think these tutorials really do provide kind of a roadmap of what's possible. There's been nothing extremely impressive about this or difficult about this. Once the portfolio is established, you can just fund to this up over time. And I believe I do $50 every two weeks into this account. It comes out of the paycheck directly. I don't miss that money at all. And it helps to supplement the dollar cost average schedule over this portfolio over the long term. My initial goal was to get up to 10,000 in this account. I'm here staring down 30,000. So we've just surpassed the $25,000 milestone, which is another really big milestone to come through in a relatively small portfolio here. But just an advocate for retail investors and an ambassador for what's possible in investing. I do wanna remind everybody that this portfolio in a smaller capacity is provided in the description below. It's broken down in the capacity that I have it broken down in the 10 sectors in the S&P 500. I have omitted real estate. It's at your discretion to add that back into it, especially if it's a Roth IRA, but I choose not to own real estate within this account because it is a taxable account. I do own real estate in my Roth IRAs and that's just how I prefer to do it. But these 10 slices here within the portfolio really kind of provide the framework for you guys. And if you did opt to use those portfolios as a template and a benchmark for yourself, they are easy to add, omit, and add the stocks in there as you choose. Please be advised, if you do click on any of the links, the independent investor channel can receive a small compensation for providing a tutorial and providing these examples for you as a service. So it helps a lot, it's great. Being an affiliate with M1 Finance for now a couple years has really opened my eyes to the power of what this could potentially mean for would-be investors. It's a fabulous wealth-building tool. You can see here that the gains versus the returns and the target are really unarguable. I really can't ask for any better performance than this out of each of the sectors. When we start to get into the individual holding, some of these have come off a little bit with the latest little bit of a hiccup in the market. I sense that there's an undercurrent of rotation and values taken a little bit of a hit on the chin, which is fine. Still getting those dividends rolling in here on the portfolio. So nothing really to shake a stick at. But this is the framework that you can expect here. I've already built this portfolio so you don't have to even do the work. You just click on the link, invest in the pie and you're there, you're good to go. So it helps a lot for would-be investors that don't know the first foggiest way to start. I've already broken it down in a very, very simple way to really spread your money out over the S&P 500 in a way that I've done here. So the only sector that is missing, I will say again, is real estate. So if it's something that you wanna add back in there, it's very, very simple to do. Just edit and add that slice in here as appropriate. But these 10 work for me. Let's go up and we'll take a look at the holdings real quick within here. You're gonna recognize a lot of these 79 positions in this portfolio, renders a nice dividend higher than average than the S&P 500. So this allows me to strategically invest in the companies that I wanna own, which is kinda cool. Top end here, Goldman Sachs. And I'm just gonna scroll through this list, highlight a few, obviously a few names that are down. No problem. I don't mind owning Disney in a downturn. It's no problem. The parks are full. They're reserved through 2022. People are hungry to get back to the Disney parks. And it's a company that I wanna own long term. So this short term doesn't bother me at all, just like any of these other diamonds of the stock market visas come off a little bit. No problem. I have no problem holding these. The cool thing about M1 Finance is you could, you could presume that the monies are going to be more focused on flowing into these underweight types of assets as opposed to the companies that have really run up like McDonald's. They got Thermo Fisher up 30%, Home Depot's up 40%, fantastic performance there. So the money's gonna flow into the underweight assets within M1 Finance as it's always looking to fund and achieve that target allocation that you've selected over the portfolio. Look at Eli Lilly up 44%. And I don't own huge persistence in them. That's totally fine. That wasn't the intent to this. The intent was to grab exposure in companies that I want exposure to. Man, look at that lows, 36%, fantastic, Costco up huge. You know, I don't even own a share of Costco, but it just shows you the power of investing even in partial shares. And this really can break it down for a lot of investors out there that don't have a lot of starting capital. Maybe you've got a $5,000 bill or a $2,500 bill that you want to put to work here and you're wondering how much of an impact can you make? How much stock can you actually buy M1 Finance makes the dollar amount somewhat irrelevant and allows you to select the companies that you want to invest in and it will adjust the money accordingly and disperse those dollars over the stocks that you want to buy, which is kind of a reverse methodology in that a lot of people have $2,500 to spend and they'll pick a basket of maybe five or 10 stocks buy a few shares of each one of them and it doesn't speak to the opportunity of further diversifying. Like I said, this is just shy of 80 holdings within this portfolio. So you start to compare a 10 stock portfolio to this and 80, I would contend that this is much more of a diversified type of approach. With that said, I also don't consider an 80 stock portfolio fully diversified. I think that you can truly find and seek out diversification through ETF investing, which you could own hundreds and in some cases even thousands of stock within each ETF. So we're not looking to pursue true market diversification here by doing this. What we're looking to do is achieve a higher dividend rendering compared to the S&P 500, which we do that here just shy of 3% on an aggregate over the portfolio. So just as we scroll through the list here, you're gonna recognize a lot of these names here. Again, I'm not gonna earmark all of them, but 79 holdings total in the portfolio, most of them are in the green. I think I've got about around 20 that are in the red in whatever capacity it is. I didn't care if it was a dollar down, I still counted it as a red, but FedEx is a company I wanna own. So I don't care. BHP Billiton here down a couple bucks. I'm just not worried about that. Kraft Heinz food with the high dividend rendering down 23%. I threw it in that category of down stocks, but I think you guys get the idea here of the importance of diversifying across multiple sectors. M1 Finance allows you to do that and grab a very, very large swath of the stock market and do so using the power of partial shares here. And you can notice a lot of these companies. I mean, look at that. I mean, two tenths of a share in United Health Group. I mean, who would have thought? Just a fantastic way to grab a large Dow component there in United Health and do so with a relatively small amount of money. So with that guys, we'll kick you back and we will conclude the video. All right guys, so we've come out of the portfolio here. Hope you've enjoyed this. 80 Holdings, just shy of in this portfolio, nothing crazy. It's a single stock portfolio. I explained my thoughts on how I consider this to be a little bit more diversified away from a traditional way of investing in single stock and that you could own a basket of five or 10, 15, 20, even 30 stocks, right? And not come near the diversification that I've just showed you here with the 80 stocks and be advised true diversification is sought through either mutual funds, ETFs or index funds. I believe that there's a lot of people out there with an appetite to add a single stock portfolio to the mix. This just allows you to really invest in a lot more companies with a lot less money instead of trying to pick those 10 or 12 or 15 that are gonna work for you long-term. It really does require more of an active type of profile. And this allows you to spread your wealth over a multitude of holdings. All of these companies in my portfolio, you recognize every single one of them. And it's a cool way of seeking some exposure, get some dividend income and some dividend growth strategy added to your existing portfolio. Guys, if you enjoy the content, wanna make sure and subscribe to the channel, hit the notification bell, leave your comments at the bottom of this video. Guys, thank you so much for tuning into the message and good luck in your investment future.