 Many of you asked me in my TikTok and Telegram channel saying that you are a complete beginner and you're wondering how to actually get started investing. That's why I decided to dedicate this video to you step by step how you as a complete beginner can also generate a very very safe 10-15% return year on year safely in the stock market. Basically all these are advice that I wish somebody would have given me when I first started investing many years back. And if you listen to my advice and take action accordingly, I promise you that you will be able to achieve your own version of financial freedom much much faster. Hey guys, I'm Okaily Chloe here and welcome back to my channel. Be all in one place for you to learn about stocks investing as well as options. If it's the first time of you come into my channel, remember to hit that subscribe button as well as the notification bell so that you will not miss out any of my future investment insights. An early thumbs up is also appreciated because it will tell you to algorithm that you find this video helpful and it will actually help to push out to more people to inspire them to start investing safely. I know by now you have realized that things around you are getting so much more expensive. Your coffee now costs more than a dollar more compared to a few years ago. Your petrol prices are shooting up like crazy as if you are pumping up liquid gold into your car. Property prices is increasing painfully year on year and the dream of getting your dream home is just getting further and further away. In fact last year in Singapore, the consumer price index jumped by 4% and in the US, the cost of living jumped by 7% last year, marking it the largest hike in the past 39 years. And because of all these inflations ongoing, finally you have come to realize of importance of investing your money. Because from all these years of experience of putting your money in a bank, your money instead of growing is depleting its value day after day. And finally, you are sick and tired of losing your money to inflation. I get it, we all get it, but the key is how can we actually invest our savings safely so that you don't accidentally burn that away? The answer lies in investing in quality businesses and buy them at the right price. But before I address what makes a company great and what is a good price to buy, I want to share with you what are stocks and how can you actually make money through stocks for those who are completely new? A stock is actually a security that represents an ownership of the company. For example, when you purchase an Apple share, you are purchasing a small piece of the Apple company. And when Apple sells more iPhone, iPad and MacBook, investors like you and me will be rewarded over time in the form of firstly, dividend. When the company makes money, the management can actually choose to distribute part of its profits in the form of dividend to its shareholders. Generally, it's a good thing to share holders because it's passive income. Secondly, capital gain. Another way of making money from stocks is to actually enjoy a capital gain. Imagine if you first invested in Apple five years back then at about $35 a share. And if you hold on to your stocks, your $35 per share Apple will have now increased to more than $170 per share. That is a whooping of 380% in five years time. That means if you invested $10,000 back then, your 10K will have actually increased to close to $40,000 by now. That's a pretty decent amount of capital gain, isn't it? Not to mention that you have gotten dividend as well for the past five years. Another way that you can profit is actually investing via stock options. Depending on whether you are looking for income or you are looking for growth, there are different option strategies that can meet you your objective. If you are somebody looking for consistent income to take care of your family expenses, I would suggest strategy boss because it can give you a consistent 2-3% every single month. On the other hand, if you are looking for growth, then I would suggest strategy X because as a buyer of options, you can accelerate your return together with the capital gain. And that's how using strategy X, when I do it on great businesses like Microsoft, you can see that I'm enjoying a double-digit return within a short six months. Of course, this video is not about options investing. If you want me to do a video to share with you exactly what are options and how can you get started, do comment option 101 below so that I will do a video for you when there is enough demand. Now that you know that stocks investing can give you a very very decent return, but exactly what stocks to buy? In order to make sure that you don't end up losing your money by investing in a lousy business and lousy company, you need to make sure you actually spend time researching all the businesses that you are going to invest. You have to see whether is it a profit making company? Does it have a healthy margin as well as consistent cash flow? You also want to see whether it's the debt actually manageable. And most importantly, you want to make sure you buy the company at a good price. Just like you going shopping, you will be super super rewarded when you are able to get things under a bargain. And once you are able to do that, given time, your portfolio return will definitely be able to accelerate in a very very safe manner. Just look at how amazing companies like Google, Microsoft, Tesla, Apple have grown over the past five years. But I know you must be wondering Chloe, I am a complete beginner. I do not know how to read all those financial statements and I don't know how to evaluate a good company. What if I make mistakes and end up buying the wrong stocks? I would end up losing money, isn't it? I totally understand your concern because I was once a complete beginner too. So that's why what I'm going to share with you next can help you to save tons of time instead of youth pouring hours and hours of doing research and not knowing whether are you doing the right thing. And instead of you investing your money in one to two single companies that end up can be lousy businesses, I'm going to share with you one simple yet powerful strategy that can allow you to immediately diversify your risk, save your time and most importantly, give you a very consistent 10 to 15% return year on year. All you need to do is to invest in SPYETF and exchange traded funds that tracks the top 500 companies in the US. By simply investing in SPY, your annualized return is close to 15% for the past 10 years. That means if you initially started with $1,000 and every single month you just continue to invest another $500, your money will actually grow to more than $123,000 in just 10 years time. But I know you must be still thinking isn't investing risky? I heard my father used to tell me that his uncle actually lost a lot of money in the stock market and my father's uncle's uncle's friend also used to tell me that he lost money in the stock market before and my auntie's father's uncle three hours later. Alright, enough. I know you have heard of these kinds of stories multiple times and that has deterred you from taking action. But very often than not, the reason why it seems that all your relatives are losing money investing in the stock market is mainly because firstly, they are investing in lousy businesses and secondly, they are investing with a gambling mindset when they do not do their own homework and when they are investing with a trader mentality while they don't have the trading skill set and the proper mindset, of course, they will lose money. However, if you are investing in something that is so safe like SPY, you are immediately diversifying your risk into the top 500 companies in the US including Microsoft, Apple, Google, Amazon and all this. And one more magical thing about SPY is if one of the companies does not do well, it will be automatically kicked out from the ETF and be replaced by the next winner. And that's how Tesla actually got into SPY last year and old school companies like Ford Moto actually got removed. So just by investing in SPY, you are always investing in safe businesses that can grow over time and as a result, your wealth will definitely grow over time as well. And you can see that despite of the market volatility back in 2001.com bubble, 2008 financial crisis and the most recent 2020 covid crash, the market always recovers and it always goes even higher. So if you invest your money for the long run, you will definitely make money for sure. And the worst thing that you can do is don't invest any single cent and end up having your hard earned savings being rolled away by the ever rising cost of inflation. On top of that, when you combine investing in SPY with the power of options, your return will definitely be accelerated even more. Here are some of the option trades that I initiated in SPY and you can see that many of them are giving me a very very decent return of some of them close to a 30% upside even despite the recent market volatility. So now you may be wondering how much money should you actually get started investing? Firstly, you can get started as low as $500 to $1000 buying your first one to two shares of SPY. Most importantly, don't just stop there. Continue this process and continue to invest another $500 every single month to let time do its magic. And if you can start more, that's even better because if you have a bigger portfolio to begin with, that is how you are going to accelerate into your first million dollar portfolio within the shortest period of time. So the most important thing is get started right now. If you are wondering what kind of brokerage platform that you can use to get started your investment journey, then do consider signing up to Wumu brokerage account because it's one of the largest fastest growing brokerage account in Singapore backed by Tech Giant Tencent and it's regulated by Singapore Monetary Authority of Singapore. And before I login into Wumu platform and show you step by step how you can buy your first SPY share, right now Mumu is actually running a huge huge promotion to encourage people to get started investing. If you fund your account with 2700 SGD or equivalent, you will get a free 3-limited share into your account which is worth more than $160. Now let's go into the Wumu platform and see how you can buy your first SPY share. Let's go. So right now once you log into the Wumu platform, you can actually go to the quotes area and search for SPY which is the sticker symbol for the ETF. So once you find the SPY, you can see that actually this is the SPDR S&P 500 ETF that we are talking about right now and you just have to click that right. So once you do that, you can see that the screen has been actually changed to everything SPY 500 and basically you want to buy the stock. So you just need to click the trade button on the right hand corner. And once you do that, a little window will also pop out. And all you need to do is to buy the number of shares that you want to. So you can start with just one share. You can start with two shares. It's really up to you if you want to change to 10 shares, it's also possible depending on how much money do you have right now as a beginner. So for example, I'm just going to use one as an example because you can buy just one single share as well. And right now the stock market price is about $52-$53. You can bargain a little bit but I'm just going to leave it like this. And all you need to do is actually click unlock trade and FUTU will actually send you a password to your mobile phone to make sure that this is actually the trade that initiated by you. So once you do that, you will be actually able to actually invest your first S&P 500 shares as well. And one more good thing about Moomoo is actually you can also use that to do options. It's very powerful to actually accelerate your return. However, for this video, I'm not going to talk about options. If you are very, very keen to learn, then do comment option 101 in the comment below. Remember, the best time to start investing is yesterday because you have seen how much your market has gone up over just the past five years. But since we can't turn back time, what we can do is to actually start investing right now to seize the opportunity and take back control of our own finances. For more investing insights, remember to follow my telegram channel because I constantly put out a lot of updates over there. And if you find today's video helpful, remember to also give it a thumbs up and share it with your friends so that you can inspire more people to start investing safely. With that, happy investing and I will see you in the next video. Mada, laishu. Bye bye.