 Guys, I'd love to welcome everybody back to the independent investor channel. Where do you invest? It's the number one question that I get from new investors and seasoned investors alike There's a lot of Products out there that you can invest your money in but for the masses out there just looking to get started in Investing there is really only one answer to that and I think new investors need to pay attention to this You're going to want to stick around I'm going to show you where the source of this information comes from They give you a little bit of a background on why I think this investment is Applicable to the masses out there and it can answer the number one question I get all the time Ryan where to invest my money. So let's get started here This is the best ETF that I think exists anywhere in the world I've done videos on this before and I want to re-emphasize with the new Volatility that's kicked up over the last 12 months or so in the stock market Investors need to understand where they are and how to get started and I think they can get started using three very simple letters And that is VTI VTI is the ticker symbol. It's the identifier to identify a specific equity or an investment What sets VTI apart from the rest? I think a lot of people look at the stock market now And they say man a lot of people are losing money. That's something that I don't want to participate in. I think that's a big big mistake I think people really need to get involved in financial markets, but they need to get involved In a perspective and in a manner that they can handle and they can handle the swings and they can understand and give their give themselves time to Really define their own personal risk tolerance to volatility because I think a lot of people have Really ill-advised expectations of the stock market and they get involved and maybe it goes up for a little while and then low and Behold their investment goes down like it's done for really the the the last past months it's been horrible and I think you can buffer that with the investments that you choose and I think a lot of people would come to me and they say I've picked the 10 stocks. I want Ryan or I've picked the 30 stocks I want or here's the 50 that I want to invest in or a hundred or two hundred or five hundred and it really never ends and The chances of you picking the top 500 stocks or the top 10 stocks for that matter That are going to at least keep pace with the current stock market year-over-year The odds of you winning at that strategy are very very low. All right, so we engage in a strategy called passive investing It allows you to invest in One one equity that one product that exchange traded fund is VTI and it allows you to gain access to Just shy of four thousand stocks Make no mistake about it. You are invested in stock But you're invested in a small piece of each of those four thousand stocks and in each of those four thousand stocks Those are each samples that come out of the small cap market or the small company market The medium cap market and the large cap market. So it gives you a very interesting diversified Access to the stock market and if you're a beginning investor and you say Ryan I don't have a lot of knowledge of the stock market. This allows you to get involved in financial markets With a very little wherewithal about what stocks to research and what balance sheets to look at What cash flow statements and income statements to look at a lot of people not only don't want to do that Number two, they don't have the knowledge to do it in order to have the time to do that so to look at a product like VTI and Consider it as a wonderful Entry to financial markets for those folks that may not have their risk tolerance to volatility Defined is a fantastic way to enter the market now. This is a product that I own Specifically, I'm going to leave the link in the description of this video And I'm also going to leave the link in the comment section so you can kick over and find out more about The VTI which is offered by Vanguard. It's one of the most reputable brokers out there It's one that I personally use and excuse exclusively for my index fund and my ETF Investing VTI just so happens to be an exchange traded funds Which like I explained gives you access to the small cap market all the way up to the large cap market What that does for you is it provides you what we consider to be Diversification in the industry and in times of volatility It's nice to know that you own a basket of thousands of stocks through that one product and it provides two things diversification in that a certain suite of Those 4,000 stocks can really suffer some are going to do worse than others and some are going to do better than others But as a basket of equities you can be rest assured that over the long term You're going to seek out that Respectable year-over-year rate of return which is from 8 to 10 percent and historically VTI has been proven to provide that second aspect that I want to touch on is the defensive mechanism through diversification a lot of people right now are incurring a lot of volatility and they're losing a lot of money and Perhaps maybe they're a little bit over their skis with their risk tolerance and what they awarded to themselves And I think it's super important for people to understand that The defense allows you to sleep easy at night. It allows you to Go on about your day It goes allows you to do other things with your life and not focus so much on your investments If at all a passive investing is a wonderful way to free up your time it allows you to yes become an investor and I think everybody out there needs to become an investor but You need to do it with some relative perspective in understanding What your goal is in your investing? What type of risk tolerance you have to financial markets? And then select accordingly in VTI can really apply to the masses it can apply to young investors It can apply to the older investors now if you're looking to start you want to select your brokerage out there This video is focused mainly on VTI the brokerage that you choose is going to provide you certain difference in aesthetics and dynamics Ultimately your brokerage that you select is going to give you direct conduit and access to the stock market In the in the form some prefer the mobile app some prefer the desktop model more Really doesn't matter you can research that and I'll make follow-on videos on what brokerage you should be looking at I like the top tier reputable brokers But once you've selected that You need to determine how much you want to invest and I think $500 is a wonderful starting amount You can prove to yourself that you can save that amount up to 500 and that can be your initial investment To the stock market now that the the discipline that you use to save up that 500 can also be used to deploy dollar cost averaging Whether or not you segue $25 a month to the side and surplus capital Whether or not you've saved, you know $100 a month whatever that is you want to take that you want to continually add to that initial $500 that you've put into ETI Okay, and once you add to that every month you're going to find that month over month the compounding effect is really going to surprise you And it's that very validation that I speak of that is super important for new investors To understand that it's not me telling you what to do. It's you Taking and your own initiative doing some research on your own and understanding that diversified piece that baseline in any portfolio The ETF VTI is not meant to be bought and sold It's meant to be bought and owned over the long term and I think that can really be attractive To a lot of investors that again don't have the time. They're busy with profession They're busy living their lives, but they do understand the importance of becoming an investor VTI can satisfy that for a lot of investors out there So consider VTI again. I'll leave the links in the description below VTI housed in a tax protected account is probably one of the best ways that you can invest in the stock market VTI offers a very very low expense ratio, which is about point zero three Which is just about as close to free as possible And it's one of those niches on the channel that I talk about all the time That is very very important to adhere to keeping those costs to entry For investing in the stock market low Where a lot of investors out there inadvertently accept two to three percent management fees In their investment portfolios VTI allows you to escape all of that access to or being subject to the fees In the industry at point zero three and you can own it for the rest of your life It performs better if you own it over the course of your life as you're Trying to pursue that eight to ten percent rate of return per year on an average guys I really appreciate you tuning into this message. Leave your comments at the bottom of this video I will leave the links to the vanguard website I consider it to be The etf shopping mall for a lot of people kick over there. Do your own research if vti does not suit your needs You want to make sure and and and do your own research and Consider vti as I own it personally. It's been wonderful. I've owned it for years It's a great way to invest in the stock market. Hit the thumbs up button for me notification bell Leave your comments and share the message with anybody out there looking to ask and answer That very very fundamental question. Ryan, where do I invest in the market guys? Thank you so much for tuning in and good luck in your investment future