Investing for Beginners | Freedom From Fees with Robin Hood | Rob Armbruster | Skillshare

Investing for Beginners | Freedom From Fees with Robin Hood

Rob Armbruster, Investing and Personal Finance

Investing for Beginners | Freedom From Fees with Robin Hood

Rob Armbruster, Investing and Personal Finance

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8 Lessons (24m)
    • 1. Introduction

      2:24
    • 2. Knowing Yourself

      2:01
    • 3. Understanding Stocks

      6:11
    • 4. Understanding ETFs

      3:36
    • 5. Understanding Options

      3:11
    • 6. Cyrptocurrency

      1:58
    • 7. Building For Long-Term Growth

      3:05
    • 8. Next Steps

      1:45
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About This Class

My investing journey started when I was 23 years old. After meeting with a financial advisor I didn't feel comfortable paying the fees associated with the account. So I took the knowledge that I gained from studying finance in college and set out to manage my own account.
Building an investment portfolio is one of the smartest ways to create long-term wealth. Investing for beginners can feel overwhelming, but when you know which investments to focus on, the process becomes easier.

Class Resources:

This lesson is not considered licensed financial advice. It is purely for educational purposes to empower you to manage your own investments. Future trades that you make are done at your discretion. Music provided by bensound.com.

Meet Your Teacher

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Rob Armbruster

Investing and Personal Finance

Teacher

When I was 24 years old I was sitting in an office with a financial advisor. After he showed me the fees associated with him investing my money, I left the meeting feeling uncomfortable with his proposition. This is how my investing journey started. I began to research how to successfully manage my own investments and found that it was easier than I thought. Today, I'd like to pass on what I have learned over the past seven years of managing my finances to you. 

I have a passion to help people from every race, ethnicity, and background discover their ability to make great wealth! My classes provide the basic fundamentals of making great long-term financial decisions. Please follow this page so that you won't miss any of the great resources coming out in the future!

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Transcripts

1. Introduction: My journey with investments started seven years ago when I was sitting inside financial planners office and he were going over investments. I was 23 years old looking to open my first account, and, uh, he pointed out the fees and I just wasn't comfortable paying those kind of fees toe have him invest my money. And I remember walking away from that meeting thinking there must be a better way. And I'm gonna look at seeing if I could do that for myself. And so that's what set me on the journey of managing my own investment portfolio. And in this course, I'm not gonna name different stocks or e t. F c for things and tell you to buy them. But I'm actually gonna empower you to make an informed decision on what to buy and when to buy it. And, uh, this course uses the Robin Hood investment platform, which is a great platform, but you can use the principles that I teach in this course on any platform that you would like to use. I'm gonna show you how to start investing and to actually start by knowing yourself in knowing your own tendencies and being aware of what's happening inside you emotionally when investing. I'm also going to give you an understanding of stocks and understanding of E T efs and then touch on options and crypto currencies. And then I'll finish it off with a lesson on building for long term growth and getting a vision for where you want to go. I'm so confident that at the end of this course, you'll be able to do this on your own, and I'm so excited for you to start this journey with me and believe that it's totally possible for you to manage successfully your own portfolio. 2. Knowing Yourself: in order to do this. Well, in order to invest well, you have to become aware of what's going on inside you emotionally and know your own tendencies. And so if you're in a pulse, it person and you've made fast decisions and done things and you're like, yeah, all right, I'll do that. Then you might need to actually stop and create a structure for yourself and say, You know what? I'm gonna wait 15 minutes before clicking this and investing in this account on the other side of the coin. If you know, you might be a person who you struggle, you go back and forth, you struggle toe to make that decision and knowing that and we've all been there before, but entering into a place of oh, that is my tendency toe, actually not struggle doing that. And I'm going to step out and take a risk and invest in this. And so ask yourself the question, Um, what do I need in order to succeed in investing? What do I need to know about myself and what structure can I create as I make different decisions so that I make the best decision possible sometimes I'll even be like I'm not doing this today. I'm going to sleep, get a great sleep and do it tomorrow. Um and then I'm able to clearly see what I want to dio. So, yeah, ask yourself that question. Ask yourself what's going on inside me and that's gonna direct you and give you give you a lot of insight and help you get to know yourself. But then also help you make the best decision for your own portfolio going forward. 3. Understanding Stocks: I am just about to log into my investment platform. Like I said before, this is the Robin Hood platform. And so I'm just gonna go ahead and log in and right here I can see my home page where everything is housed, and this is just a demonstration account that I've made. Um, that doesn't have any money in it, but I'm going to show you how toe understand stocks. And so you can see there's there's different stocks on the side right here. And then there's this popular collections I can. I'm gonna go to the 100 most popular stocks. You might. You might see some of these that are familiar, uh, Apple, Ford and Disney. So let's take a look at Disney. No, The first thing that comes up is this map, and it's this graph of Disney's performance and below. On here is how you navigate the time length that you're looking at. And so this is what it did today in the stock market, and what I usually look at is all look at Disney over the one year span in five year span and just see what's happening in the big picture with stock and, as you can see, um, around February was when the stock went way down because of the unsure ity with the Corona virus. Ah, sad face, Disney, Disneyland, Disneyworld. Shut down! Um, and then you can even see when Disney Plus came out earlier this year, too. And so navigate these and look at look at what you think, what you've seen in the past and where it could take the stock in the future. So now I'm going to scroll down, and there's a lot of different numbers, and in the platform you're going to see a lot of different things. But I only want you to focus on three things, and those things are the 52 week high 52 week low, and the dividend yield and the 52 week high is the highest price that the stock has been over the past year. The 52 week low is the lowest price that the stock has been in this past year, and basically what a stock is is. It's an investment that you put into the company that they return that investment towards you over the period of time that you own. The stock So it's actually buying and you get to own. You get to be the proud owner of part of Disney, and you can tell your friends that. So the next thing so you've looked at these two things, the next thing that I want you look at that's important to understand about a stock is the dividend yield, and for this stock, it's 1.87 which stands for 1.87%. Which means that you every year you get paid 1.7% of the stock price. And of course, that's that's always changing. But it's gonna be around that range. And so it's just an added bonus for you. Make that money. But then se as as we recover from Thea, unsure times that we're in right now say the price of the stock goes up in the future. That's another way that that the stock becomes more valuable and it's more money for you to be able to have in your pocket what I encourage you to do well. Looking at stocks, it can sometimes get confusing because you have all these news things and you have analysts ratings and all this different stuff by based on your own convictions and your own experience. And what I mean by that is just think about think about products that you like yourself. Think about Oh, I've I've watched Disney Plus and a lot of my friends air using that right now. So, yeah, I think I think Netflix is in trouble. And I think I think I'm gonna buy some Disney because of that new product. And and so make that decision and then you just go over to the side. It's It's similar on all platforms where you just order the number of shares that you would like. And so the cost of each share of this company is $99 to say, I want to buy two shares. That's $200 for two shares of Disney, and then you'll go ahead and review order and purchased those stocks. And then that stock is yours to buy and hold and receive dividends or buy and sell later. It's really up to you. But this is, um this is just a great way to understand these stocks and just a great way to think about them is is to buy what you know. And that's what that's what my investment teacher in college always said By what you know by what you know by what you've experienced before it connected to an experience. 4. Understanding ETFs: about E T efs. What about the most powerful investment tools? So I'm back in my home dashboard here and I got all my stuff, my recent news, and I'm gonna go to the popular collections and click on E T EFS and Robin Hood has 500 free e t s to trade. It's an incredible deal and there's so many different different things toe look into and click on one that I'm gonna look at today is the power shared F PowerShares S and P 500 High dividend low volatility E T f Wow, that's a mouthful. Basically, what this is saying is it's a collection of 50 of the least volatile names or companies in the S and P 500. So it's a collection of 50 companies that don't change. Fluctuate a lot in stock price, and they have high dividends, which I'll show you about later. So let's do the same thing that we did with stocks. And look at these these numbers here, so you can see the 52 week high is $44.42. 52 week low is $25.38 and the prices at is $29. So that's already showing me Oh, my goodness, that this is almost at a 52 week low. This this might be a good time to buy. And then the other thing that I want you to show to see with this is the dividend yield is 6.51%. Wow, that is incredible. So not only are you if if this stock goes up, are you going to make money? But no matter if it goes up down sideways in a circle, no matter where it goes, you make a dividend, which is automatic cash, and it's it's a really great sure investment. Um, and it's it diversifies what you're investing in for a low price, which is nice. So say, say I wanted to I wanted to buy four shares of these. It would only cost me $120 two by four shares. And yeah, and But these shares are in 50 companies. So if one if one company of the 50 does really bad, something really bad happens, it's not gonna affect it that much because your investment is diversified and that's that's what I like about E T efs. Okay. And your class project is gonna be to find three stocks for E t efs that you would buy and go ahead and post them in the comments. 5. Understanding Options: some options. So here I'm gonna log back into my account. And for any account that you would have, there is normally a database of information just to help you understand it. So that's that's what I'm gonna look at here. Um, just to tell you more about what options are and how to use them if you want. And so right here, I'm on the investing page and I'm just gonna click, Invest with options and, yeah, it has a ton of resource is here. But let's just look at what an option is. So unlike a stock an option, each options contract has a set expiration date. This date figures heavily into the value of the contract itself. Okay, now let's just stop there, because that's already enough toe to be able to explain something. So with each options contract, it's not actually an investment, but it's it's a contract, and it's basically betting on whether or not a stock will hit a certain price by a certain date. And so you're not purchasing the stock, but you're purchasing the contract, and once the option contract expires, the contract itself is worthless. And so what happens a lot with the contract. We won't. We won't really go into this. But I'll just tell you what happens with the contract is that as the expiration date gets closer and closer, your investment fluctuates at a higher degree. So it could be it could be either really good or really bad. And it's kind of like the way to take more risk while investing. And it's it's the way to. It's the way to use stocks, and it's often used by people trying to make money really quickly. And that's why I'm not gonna recommend for you as a beginner to go in tow. Options, trading and especially, I don't trade options because they don't line up with my investment goals of building long term wealth. And ah, but I want to tell you about him. If you're feeling risky, go ahead and go for it and by a couple of contracts and see, see how it works out. But I want you to know what they are that they are a contract. They are betting, um, something happening in the future 6. Cyrptocurrency: the most common crypto currency, which is Bitcoin. And right now, Bitcoin today is closed, likely because of things happening just with quarantine and stuff like that. But you can see what this investment has done over the past year. It's gone up and down and up and down and up and down and up, and overall, it's gone down are no if you look at the very beginning and then this is what it's done over the past five years since its inception. I remember when I was on a road trip in my car and I was talking to my friend about different investments and and he said, Yeah, I've invested in Bitcoin crypto currency and just talking with him about it and and then the question came up while who controls the currency. And he answered, He said, Well, there's there's an algorithm that controls the currency And and then I asked this question . I was like, Who controls the algorithm? And we just both shrugged. Our shoulders were like, we don't know. And so that's the thing to keep in mind when when looking at crypto currency is, it's not really something that we know for sure if it's gonna go up down over outwards, my recommendation would be not to go straight into it, but if you are going to go into it, do a lot of research. 7. Building For Long-Term Growth: Bill Gates says this many people overestimate what they can do in a year, but they underestimate what they can do in 10 years time. And it's the same principle with building your portfolio for long term growth. There's many people who look one year out or a few months out, and they say, How can I get the most money by this time? And I actually want you to get a vision or where you want to be in 10 years or even five years and actually write down and say, OK, I'd like to get my portfolio to be this much in 10 years and then make a plan based on based on that Teoh form what you're doing today. Um, also want to say this, too, is that in the short term, the news really affects the stock market, and so I don't know if you've seen this before, but the news will come out with a story and the stock will go down or, you know, say the news comes out with a story about Disney, and they say 10 great things about the company, Disney and, uh, and the stock price goes up and literally nothing has changed about Disney accept their perception has changed and so basically go for the companies that create great products and go for go for something that that creates value for us and go for what you know. And don't really worry too much about the news about a certain story saying certain thing. Um, but yeah, and just invest for the long term. And here's the other thing, too, because I've chosen to invest with this platform. I've actually Onley paid one fee well, investing, and that was for buying some Indian car company's stock. Other than that, over the years, I've paid no fees, and that has that's allowed my investments to grow so much faster. And so I hope you enjoyed this tutorial. Take this. Take what you've learned here and apply it. I have full confidence in you and in your 10 year plan. And, uh, yeah, and comment. We have your comments and feedback below. I plan on coming out with new classes in the future and topics related to this. But yeah, I'm so excited just to see you do this and do it really well 8. Next Steps: So here is what I'd like you to do with what you've learned in this class. I've created a special homework assignment for you to do. Find three stocks that you would like to buy and three e t efs that you'd like to buy and do the basic level of research on each of these stocks and e. T. ETFs. You can download the word document that I have attached to the class. So complete that and then post it onto skill share so that we can all share in the work that each other is doing on this topic. I teach these classes because I want to give every person of every class in every race the ability to make great wealth in orderto learn everything that needs to be known about investing. It takes more than a 24 minute class for that toe happen. I've intentionally created classes for you to take that are gonna expand your ability to build wealth in the future. The 1st 1 of those classes, the stock market for beginners and I talked a little bit about stocks in this class, but this is an extensive overview of how to research and buy and sell stocks that I highly recommend for you to take. The other class that I'd like for you to take is E T efs for beginners. Now E T F r. A modern 21st century investment that allows you to invest in a diverse amount of companies and not have to check on your investments all the time. Thanks again for taking the class and I'll see in the next class.