 I'd like to welcome everybody back to the independent investor channel I speak with a lot of people out there who have a hard time entering into the wealth building Opportunity and they they don't know where to start that they don't know what account to start with And or what products to put into the account? I think being interested in the investing opportunity is a great start and on the independent investor channel We really strive to break down barriers for those investors that are Interested and they're trying to act upon that instinct to get involved in investing this is just one element of Investing that could really work for a lot of people and I think a lot of people would say well Why don't I just go with a major broker like a fidelity or a Schwab? You can do that, but there's some real unique Elements of M1 finance that actually bake in some discipline that I know you don't have and you may Acknowledge that you don't have them, but you may not want to hear that What I mean by that is M1 finance really initiates a program for people On and puts you on a passive path to wealth Where you might think that getting into the stock market for the first time is just all about picking the AMC To the Mooms or the game stops of the world that that right there is going to leave a lot of people very frustrated On what they thought investing was about and it will be extremely unfortunate for them to not find out what the Prospects are for a value investing program a responsible program one that makes sense for the masses This is one that anybody can do This is one that I chronicle on the channel all the time really just to roll out as an option to you guys But this is a great way of investing now the way that I seek out my exposure to the stock market There's a lot of people out there that may not understand the sectors of the S&P 500 It's basically just the divisions of the different Topics for a lack of better term within the S&P for example technology Utilities Staples right such as Procter and Gamble push out some of our products like Tide etc Some discretionary names like Amazon etc. So the companies are kind of filtered into these different categories Okay, or sectors what I've basically done here is taken each of the sectors of the S&P 500 11 to be specific and I've split them up across 11 different pies or slices within the pie And this is what I roll out to you guys periodically on the channel to provide Some entry into a real account So if you're a new investor and you're just finding your way to the independent investor channel For the first time I roll this out for a lot of different reasons a lot of different people learn in a lot of different ways and this just takes care of the Visual element of learning a lot of people just listen to my videos and they listen to what I'm talking about And I'm really trying to make the investing opportunity a lot more accessible for those investors out there that are interested and they just don't know where to start and this provides a very streamlined way of starting and tries to Seek to avoid a lot of distraction That I think with the overload of information on social media can unfortunately End up finding a lot of would-be investors falling victim to the temptation of Moving away from what has historically worked in the stock market Diversification in other words spreading your money out Seeking broad market exposure like I've done here right seeking out a small dividend yield Becoming passive in nature and not trying to time the market It's much more important for you To understand how much surplus capital you could parlay from your check every single two weeks or every month To go into a program like this so it becomes less about finding the next best thing and a lot more about Buying into a program that can make sense for your individual household Now make no mistake about it on the independent investor. I try to Really put individuals in the driver's seat. Okay, and that's not That's intentional. I do that for a very very specific reason The more time you can log as an independent Individual investor the better off you will be in the long term because of the fees that you will save This is a very inexpensive account As a matter of fact it costs nothing to enter into and buy these slices respectively and it costs very little to own them over time at about point one zero of one of one percent so very very inexpensive and The disconnect between being recommended to a program like this and what you would get if you went in and sat with a financial planner Are night and day? Okay Financial planners usually will stray away from recommending seeing single stock to you because of the active Management and the lack of profile and tolerance that individuals usually have on the onset so they will stray away from That type of avenue especially Single stock and ETFs that of which I'm going to show you here now because there's such low cost That the benefit to the individual investor cannot be underestimated furthermore the industry has been kind of built and predicated upon building a suite of Mutual funds for clients. Okay, which it can work for a certain type of investor The real niche is to understand that you're going to pay for those services over time and the management fees that are accrued Year over year can really eat away at your profits whereas passive investing like I'm going to demonstrate for you here Can really help pay the pay for itself over the long term because it's your direct connecting yourself To the stock market over time So here if we if we jump into the account here and we just chronic all the holdings and the performance This is done quite nicely. This was started in March 5th of 2019 So just over two years old on this account. This has been passively funded over time You can see here the starting amount if I were going to go back was about 1500 bucks or so when I started this account So when people come to me and they ask me well, how much should I start with Ryan? It really is relative This is just an example of a starting place of $1500 and I would challenge each and every one of you guys that if you're Serious about investing in the investing opportunity to challenge yourself if 500 is is your challenge mark? Great Make it happen. This just so happens to be a 500 $1500 example that chugged along for quite a long time This was being funded with small injects all the way through 2019 got a little bit of a bump here So this is probably indicative of a fund up here and then this was the pandemic low within March early March of 2020 so you can see here over the first year of owning the account. I really didn't do a whole lot at all What I did do is I took a fund-up opportunity here during the pandemic low and It looks like I funded it up with a $2,000 bill boom got it up to 4300 and allowed the good market and the return of the market to come back and really be conducive to some nice gains and Then here also another fund up here looks like in the amount of another $2,000 Okay, so they say well, how much have you added to this account over time? The answer is here the net cash flows into the account or eleven thousand eight hundred and forty three dollars So, you know, just owning it over two years. We're up about $5,200 in the account and I really want you guys to keep this in relative perspective This is a program that 100% of investors out there can participate in it really doesn't take a whole lot of wherewithal because The very bridge that I provide to you guys on the channel and that I've already put the products in place here I share this portfolio openly Every video that I turn out on my M1 experience. I provide the portfolios for you guys now You can do one of two things you can use the portfolio as you see fit I am affiliated with M1 finance I enjoy using the product and I don't mind Recommending those to would-be investors out there because I know that you could trip and fall into this portfolio and succeed with it The other option that you have is to take this portfolio and use it as a benchmark Save it for education purposes. See how it is that I seek out my exposure to the market Track my performance. I mean this is real. This is my money If you wanted to track it you could track it for free and not put any capital to risk at all You know, my pain can be your pleasure or vice versa however, you want to look at it, but I'm pretty confident in my program and If nothing else the results really should speak to themselves on how incredible this portfolio has performed Over time. So we're looking at the top end here. I've asked this portfolio to be weighted in a manner that suits my investor risk tolerance and my profile Over this small portfolio. What that means is I've asked that for every one dollar that flows into this portfolio I want 14 cents to flow into technology Okay, for every one dollar that flows into this portfolio I want 13 cents to flow toward the health care sector and so on and so forth until we get to the bottom And and I say I want six cents to flow into materials for every dollar invested to this portfolio So on a granular nature, I've basically broken down for you how the pennies can add up to dollars and how the dollars can add up to sets of ten dollars and then and then Hundreds and then thousands and that's really the secret to How I would expect that if you're looking to seek out success in wealth building to to break it down and Anybody who comes to me and says Ryan, I don't have the money to invest I think is is it is a cop out? I do I think if you broke it down to its granular nature and said, you know what I can do ten dollars every two weeks Then that's a start and that that really breaks it down to hey There might be a few pennies that are going into each of these respective Slices if it be in the nature that I'm declaring to you now or in a capacity that you Derive for yourself to meet your personal needs that then great. So be it but at least you're starting and at least you can take some Solitude in knowing that you're taking a step in the right direction to saving for your financial future So I really appreciate you guys tuning in for these Vanguard updates that there are a lot of fun to do. They're very very important in kind of adding Credibility to the fundamentals that I insist that beginning investors should be seeking in the market and not all the time Be seeking the get rich overnight stocks There's a lot of people that will be fast to come on and say hey I made all this money doing this The problem is they don't realize how much damage that is actually causing because people who view that in the Thousands come on and they think that it can be easily reproduced and and it is not it's very very rare and Over time those are those usually render a big big loss And you think people are quick to come on to YouTube and and tell people about their big losses Of course not of course not people conveniently just tuck those away and they keep them a secret and The totality of the stock market is to understand not only that it does go up in value over time as I've declared to you in this video but to also acknowledge and to control the risk and to really understand the the risk associated with stock and to do whatever it is that you can do to Mitigate that risk to the downside and we do a great job of rolling out the risk of mitigation on the downside For investors to really understand that stock market investing has two coins Or two sides to it The trick is to find that happy medium for yourself Over the long term guys appreciate you tune in into the message and make sure and subscribe to the channel Leave your comments at the bottom of this video and share the message with anybody out there that you know may benefit from my approach in Introducing the stock market to beginning investors in the right way It's super important that our youth embrace the fundamentals of diversification dollar-cost averaging and the importance of a dividend and and broad market exposure as opposed to the fly-by-the-night Method that is rampant across social media guys appreciate you tune in into the message Good luck in your investment future