 I'd like to welcome everybody back to the independent investor channel. You know, I say all the time anybody can invest and nowadays even building a portfolio is really as easy as one, two, three. Starting the account, going in funding the account and then the fun part, the part that I really like is actually building the account doubt and actually selecting the products or the stocks or the ETFs or index funds that you want to put in your portfolio. It's a lot of fun and I think a lot of people are breaking down those barriers to entry and understanding that that fun is available for them as well. Wealth building is a really good time and I think the individualization of the program is also not to be overstated. I think there's a portfolio out there that makes sense for everybody and I think with a little bit of coaching, a little bit of guidance and with the help of the platforms nowadays that made it so simple M1 Finance is just one of many examples of those accounts out there that make investing easy and dare I say fun. So with that, we're going to jump in and do a review of the M1 Finance account. This is going to be a lot of fun. This is an account that I chronicle on the channel all the time because not only do I get to chronicle a real portfolio, I also get to provide some insights on how I look at portfolio building, how I look at the account in general, and how I strategically build out my multiple buckets. This just being one, this being heavy-handed in the dividend growth element. What that means is this is a basket of single stocks divided up across the S&P 500 and what is a total pie and each of the slices of the S&P 500 represent a piece of my total pie. So as I go around here, I've got utilities and consumer discretion and industrials and for those of you out there that are beginning investors, these are some of the terminologies that you could become accustomed to technology. Everybody's heard of Microsoft, Apple, right? Materials, you got Lend, we've got Sherman Williams, BHP Billiton, things like that, ExxonMobil, Chevron. So as we go around here, you can kind of understand which of the companies that fit in to some of these specific slices. But top end here, we're flirting with 20,000 in the portfolio. So nothing crazy. We've had this portfolio since December 20th of 2019. It's done quite well looking at staring down 9,000 of capital appreciated dollars in the portfolio. So we don't invest entirely for fun. We invest to make money. And we've got a little dividend income here to boot this growth and has been growing incrementally over the last year specifically. So three and a quarter on the dividends, not too bad. And then of course, slightly leaning to the right here over what has been a conducive market. Now, each of the slices that I talked about are represented here. And this is just how I choose to portfolio build. Doesn't mean that you need to copy this. You can. I make these portfolios available in each of these videos. You guys can review the holdings that I disclosed to you during the course of these videos. You can use the structure. You can take out omit certain stocks within each of these categories as you see fit. You can use it as a baseline, use it as a backbone or a structure as you will. And this is really just a breakdown barriers for people and say, where the heck do I start? And it avoids people having to invest on a blank palette. Really, it provides some structure and guidance to investing in that if you can look at this, and you're really interested in investing, and maybe you've done a little bit of research to start to take it to the next level, you can see somewhat of the method to my madness here, how I've basically assigned a target allocation to each of these slices here. 15% of my dollars goes into technology, 14% into healthcare, 13% into financials, and so on. And you might think, well, where did that come from, Ryan? I don't know. If I want to do technology first, I would rather do healthcare number one. Absolutely. Everything that I talked about at the top of this video about being customizable now and really just unique to the individual, it couldn't be more true. You can build this however you want to, which is really the beauty of not only M1 Finance, but a lot of platforms out there that allow you the opportunity to buy single stock in a portfolio like this without a lot of money. So if we go over here to the holdings element to the portfolio, the largest of the holdings is Amgen, a Dow component and Goldman Sachs right below it, another Dow component, a five Dow components on the top end here actually, which is great. And you can kind of see here, if you're a new investor and you look at this and say, well, how good could this perform? It's relative. It doesn't matter if you're starting with $500 and you're making pennies and you're starting with a few thousand dollars and you're making dollars in dividends and capital appreciated dollars. I've got about 20,000 in this portfolio. So the gains are becoming a little bit more of a snowball effect. And that's what happens once you get to that larger amount. I think people sometimes fall victim to not allowing their portfolio to get off the launching pad and really start that snowball effect for them. The snowball effect should be evident to you in scrolling down through these 71 holdings, I believe is what we've held true on this. I haven't added a whole lot to this portfolio. This is just a really, really fun portfolio. It's just a lot of fun to invest this way. If I were to guess that I would have been up 30% in Eli Lilly, I don't know. The but $91.49 on what's just shy of two shares in the company is pretty remarkable. It really is. So if you're thinking, I don't know if single stock is for me, Ryan, well, this is a way to put a little bit of money to work in a lot of different places. And I think a lot of people try to construct a portfolio with 25 stocks is a very good chance that you could miss out on some appreciation on stuff that you don't pick. And conversely, there's a good chance that you could pick a few bad apples and end up with some stocks that go south on you and don't work out. This is a great way of spreading your money out, not diluting your money, but diversifying across multiple stocks. These are all great companies, guys. These are companies that have been well-established. I'm a value investor at heart. These are companies that I enjoy having an element of exposure to. Some of them I own in larger capacities in the other accounts, but not much. Not much. Some of the companies that I have just larger conviction for, like Disney and IBM, I do own in the Roths. Southern Company is a great example. I do own a bigger position, I think a 50 share position, which here is only five shares. And that's okay. It just helps fill out that utilities element of this dividend growth portfolio that I'm trying to build. Now, I do have a strategic goal of $100,000 on this account. Could this account, the way that it's built now and the structure and foundation, handle $100,000? Absolutely. This account could handle a million easy. With the amount of quality names in here, I've done a pretty good job of diversifying across the sectors and giving some pretty good representation from each of the sectors of the S&P. So as we scroll down here, you're going to see a lot of green. Could not be happier with the performance within this portfolio. And some of these, nothing to shake a stick at. You miss out on this 26% of performance. And you might say, well, that's only on four shares, Orion. That's true. But it's better to have invested in the company than not to have invested at all, because I would have been at zero had I just made the easy decision not to invest. Leg it in plat. Look at that. It's 17% up 36 bucks on a relatively small position. That's a $200 position. I would venture to guess that you're probably not going to do that well, or even have a chance of doing that well on a savings account, right? So stuff to keep in mind when you're asking yourself, how could this fit into my personal program? Do you invest? Do you solely put your money into a savings account? Maybe you want to leverage some of that money into a program like the one I'm demonstrating for you right now, getting a little bit more power punch to your money, put some money in Coca Cola, a dividend king that's paid a dividend for over 50 years. What a great opportunity to leverage your opportunity made possible through the independent investor channel to get your dollars to work direct connected to some of these great companies out there. TJ Maxx, I love this company. I'm down $3.39. I can live with that. Again, it's putting capital to risk as opposed to just doing what is safe, and that is a savings account with a bank. But I think you can see here, as we roll these out, I'm down five bucks on Walmart. That's a sore spot in the portfolio. I have to work a little bit harder in my due diligence, I guess. But that's the end of the list here. And I think the majority of these holdings are up. I didn't do an account of where we are, but I will share this portfolio. It's not meant to be memorized over the course of a rollout. It's meant to give me the opportunity to showcase this, ask an answer what it could mean for you guys, and try to find a strategic place for this if indeed there is one, or at least provide an awareness piece to those folks out there who may not think that stock market investing is as achievable or as obtainable as they think that it is. And I'm here to tell you, there are no barriers to entry. I buy these stock free of charge. I enjoy partial shares in some capacity. This is less than a share here in Thermo Fisher Scientific of the Broadcom holding here, less than a share. So the partial shares make this possible for me to spread my money out in the capacity that I do to make sure that we're achieving that diversification within the account. So really appreciate you guys tuning in to this portfolio review with M1 Finance. These are a lot of fun for me to do. You catch my insights, listen to me explain my philosophies behind. I'm not one of those YouTube channels that come on and just tell you, hey, you need to invest like me, or I've got conviction in the stock. That means that you have to have conviction in the stock. And if we go below the surface and we talk about the fundamental element of how I approach wealth building, stock market investing, it starts to widen the reach to those folks out there who may be also looking to put a program together for themselves. If you appreciate the message and make sure subscribe to the channel, leave your comments at the bottom of the video, hit the thumbs up notification bell, all of the above to help us support the message that we're putting through. Thank you so much for tuning into the message and good luck in your investment future.