How To Invest For Beginners (Simple Strategies That Work)

Getting started with investing can feel intimidating, but the truth is, it’s never been easier, and you don’t need to be a financial expert to grow your money. 

In this episode, we break down the essentials of investing for beginners:

• What the stock market actually is (and why it matters)
• The main products you’ll come across, stocks, ETFs, index funds, bonds, and more
• The best apps and platforms for getting started
• Simple strategies like dollar-cost averaging and dividend investing
• Common mistakes to avoid as a beginner

By the end, you’ll have a clear roadmap to start investing with confidence.

Connect with us (via LinkedIn)

Jan: https://www.linkedin.com/in/jan-watermann/

Jonny: http://www.linkedin.com/in/jonny-pease

Got a question or topic you want us to cover? Drop us a message at jonny@technicallymoney.com

Transcript

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Okay.

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Welcome back to another episode of Banking Without Borders.

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Today we're going to dive into investing for beginners.

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And the truth is it has never been easier to start

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because to be a successful investor you don't really need to know that much.

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Kind of like being a great pilot.

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They don't necessarily know how to build planes or jet engines,

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but that doesn't stop them from flying planes.

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investing kind of works the same.

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don't have to be a financial genius or spend hours

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studying charts and company reports, because there are products that

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we'll talk about in this episode, like index funds and ETFs that make it

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possible to build wealth steadily over time without overcomplicating things.

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So in this episode, we'll

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explain what the stock market actually is and the main products you'll come across.

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And we'll cover brokerage accounts and which apps or platforms to consider.

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And we'll also dive into some strategies like dollar cost averaging and dividend

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investing.

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But first, Yann, could you please tell me what on earth is going on

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when I buy shares in the company?

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Yeah. Well, Johnny, thanks for the intro.

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Essentially, the stock market is a marketplace where

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where people come, to to buy into ownership in companies.

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So when a company wants to raise money in order to grow and or in order to

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to to expand, it can sell pieces of itself to investors.

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These pieces are called shares or stocks.

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And when you are when you're buying a share,

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you're essentially becoming a part owner of that company.

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And if that company grows in value, your shares also become worth more.

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some companies, they additionally share their profits through dividends,

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which are essentially cash payments that are distributed to to shareholders.

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So if they de to earn a large profit this year.

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Right.

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They would probably go ahead and say, you know what,

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we want to reinvest half of it.

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And the other half we, we distribute to our shareholders.

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And those, those dividends can either be be taken as income.

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Right.

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Or you can pay them out,

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buy your groceries with them, or you reinvest them to buy more shares.

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Essentially.

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key idea here is you're not just trading numbers on a screen,

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but you're buying essentially into real businesses that make products,

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employ people and also generate profits.

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And you share their success over time. Okay.

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There's quite a sentimental approach to investing, isn't it, Jan?

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To think that you're not just the number on the screen,

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but you're really investing into a company.

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I quite like that.

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When I first started investing, I had.

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The first company I ever bought was Shopify.

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I had an e-commerce company myself using the platform,

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and I felt like I really wanted to invest in that

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because I thought it was really good.

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Do you think that sentimental approach is what people should have

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when it comes to investing?

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They should look for companies that they like the look of Yeah.

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It's probably not the best idea, to be

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What to be sentimental.

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Yeah. No, no. Probably not.

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So I would not go ahead and purchase, purchase shares of companies that I,

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I feel attached to or like the brand or

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And when it comes to investing your money, you know,

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equities are one piece of the pie or stocks and shares.

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But there are other market products such as ETFs.

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Yeah.

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And in some cases ETFs they're not that expensive either.

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Yeah.

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when you look at the overview of an ETF, you'll get like a sheet where you can see,

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you know, where where that ETF invests its, performance over time,

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how diversified it is, what the risk level is like.

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There'll also be something known as an expense ratio.

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And this will indicate how much it will cost to use the ETF.

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And in some cases with Vanguard, that expense ratio could be as low as 0.03%.

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if you were to invest $1,000 into that ETF, it would only cost you $0.03.

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So the expense ratio is actually a really important thing

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to look at when selecting your ETF.

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There are a couple of other products, right? Yeah.

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We could we could discuss I mean, I feel like

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equities are stocks and shares an ETF to the fundamentals of investing.

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But there are also commodities like gold

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oil, agricultural products as well that you could invest in.

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You know, just investing in a single commodity has a lot of risk.

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It's like investing in the single equity.

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It's you know, it's not that diversified.

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And you can get ETFs that have commodities that will have a mixture of things

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like commodities and equities and that will be more diversified.

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But of course, if you wanted to you could invest solely in commodities.

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commodities are typically a hedge against inflation.

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So during inflationary periods,

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people like to invest in commodities because they're a lot more secure.

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And as we've seen over the past couple of years,

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gold has really increased in value.

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And then there are bonds.

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Yan, could you explain a little bit more about bonds?

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Yeah.

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I don't know, like 900

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Yeah. Yeah.

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I have, roughly 50,000 invested in government backed bonds at the moment.

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And I think the return is at the moment 3.73%.

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So it's not

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hugely significant, brings in around 250 pounds every month at the moment,

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although that did recently drop

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as a result of the Bank of England reducing the base rate.

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that is currently with a brokerage platform

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called trading 212, who we've talked about before

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What about trading strategies? Yan.

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we briefly talked obviously about the power of ETFs

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and the predictability in some degree with ETFs

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because we know over time they have data that shows historical averages

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what about actually going ahead and making purchases and buying equities.

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Are there strategies that we can implement to have the best possible outcome?

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had a many different strategies, Jonny.

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And if you would cover all of them, this episode would be very, very long.

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So, I would say let's focus on four popular ones.

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Some that we can also recommend.

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There's the dollar cost averaging strategy.

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That means you're investing essentially a fixed amount of money every, every month

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or other regular intervals, regardless of whether the market is going up or down.

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And over time, what this does is it smooths out your,

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Yeah.

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very cheap or when you, when you think you are identifying a certain trend, and,

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that's something that even professionals get wrong typically.

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And this is dollar cost averaging strategy.

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It's simple.

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It's disciplined and works really well over time.

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If you want to want to build some Agreed agreed agreed.

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I did that process with and I had quite a lot of success recently,

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recently with Pantera having started buying politics in 2020.

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Although the cost of paint has increased.

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So I don't have a dollar cost average where I think, okay,

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every month I'm going to buy, say, five, ten, 50 shares.

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It's about how much money I can afford to spend.

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And so as the price has gone up, I only buy 1 or 2 shares.

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But over time I still have.

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You know, even though the share price is, I think, $171 today,

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I still have a dollar cost averaging of, I think roughly $25.

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So that's worked out extremely well for me.

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And I've just remained disciplined regardless of the market,

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because I look upon here as a long term buy I guess that's also a strategy, right?

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People just buy and hold, So, a bit of a classical approach, in my opinion.

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What you do is essentially, you pick one investment,

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you hold it over years or even decades and let it grow.

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It is avoids trading fees because you're just buying ones.

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You're not buying, buying, you know, regular intervals reduces stress.

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And also keeps you focus on these, these long term gains rather Yeah.

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Yeah.

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The biggest thing with something like that is people, if you're watching this

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and you can do buying hold is don't check your brokerage account every single day.

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You can't get into the habit of doing that.

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stock market is so unpredictable and volatile that you'll see ups and downs.

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And in some cases you may go down 510%.

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But then within like if you're really into holding within

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like 2 to 5 years, you could be up 100, 200%.

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So you just have to be super patient

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and you can't let your brokerage account impact your mood, how you're feeling.

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I think it was Jeff Bezos that said that to people who were in Amazon.

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Like, if we let, share price impact our mood

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every time it goes up 10% with temps and happier.

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But then when it goes down 10%, you're going to be 10% sadder.

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You can't let that happen.

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That every day.

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Oh no no no no no no no I'm joking.

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Yeah yeah.

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Look I'm joking. No no I'm joking.

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I've got a couple of brokerage accounts

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I it would take too much time to go in between every single one.

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But I do, I do check the stock market pretty much every single day

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I have trading view.

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There's a great website called Trading view.com.

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I have a premium account with that.

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And I basically just try and I have

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my favorites, my watchlist, which will have all of the different ETFs.

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So the equities I'm invested in.

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So I am aware of what's happening from day to day.

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The total value of my portfolio I don't know.

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Exactly.

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But yeah, I am keeping an eye on it pretty much every day.

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But but I've got a lot of equities.

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So I, I'm trying to keep an eye on not day trading,

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but I'm trying to keep an eye on the performance of certain, businesses.

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Particularly right now, I'm invested in companies that are heavy into heavily

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into artificial intelligence companies that are building data centers.

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And things are changing every single day.

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So have to keep a bit of an eye on it.

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But even though I'm doing that, I'm not letting it impact how I'm feeling.

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Okay.

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I'm making sure that that doesn't impact my mood

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just to go back to different investment strategies, dividend investing.

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This is when you buy companies that will pay dividends.

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And this can actually be a really good approach.

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It will probably require a large sum of money invested,

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which will take time unless you can do that initially

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because you know you're getting paid per share.

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And if you don't hold a large amount of shares,

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you're not going to see a large amount of money return in dividends.

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But there are some good places to look.

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There's a website called dividend max.com, which will show you

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the best companies to invest in, which ones pay the most,

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can you just explain core satellite investing to me?

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Million.

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course

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investing is probably a strategy that, that you're, personally following, right?

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If I understood, so do you experience Essentially what happens

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is that your core portfolio is made up of, stable, diversified assets.

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For example, ETFs, also certain certain quality stocks that you picked and around

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that, you had satellite investments, smaller,

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more targeted bets on, individual stocks or sectors,

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like artificial intelligence, that you personally believe in.

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Yeah, it shows a steady return over time. Right.

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Because most of your portfolio is diversified and stable.

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But it also lets you participate in these, these trendy topics

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a little bit, which might keep your, your motivation up over time.

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Yeah.

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I didn't realize that I was doing a core satellite approach.

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Or I just thought it was like being being diversified,

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which essentially it is, that, that is the approach that I've taken.

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Young we haven't really spoken about your approach.

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What is your portfolio look like?

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Yeah.

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Cool, cool.

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I guess that's probably a good common mistake to avoid, then.

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But you probably said a few, but at least frequently.

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Looking at your brokerage account from day to day is definitely a common mistake

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to probably try to avoid.

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what other common mistakes do we have?

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Yeah. And?

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Also being emotionally attached to, to the money

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that you invest, that something that could cost us over trading, right.

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If you really need the money and then,

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the stock is going down and you know exactly that in in a few months,

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you want to purchase something, and you need the money for that.

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Yeah.

00:16:04:01 - 00:16:06:06
you if you're investing money that you fear that you might need

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later on, investing in equities is probably the worst place to put it.

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if I was a financial advisor, I would advise

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I would not advise people invest their money

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if they think they might need it later on in the short term. But.

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Possibly ETFs would be a better place.

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Or bonds, for example.

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Ahead.

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Okay.

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your money.

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Again. what about fees and costs? Yeah.

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Because when you make a play in the short term, you look at it, you buy your stock

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or you buy your ETF, you are immediately in the red as a result of fees.

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Yeah. You're right.

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And even free platforms that often charge, a currency conversion

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fee, or they do use an exchange rate that's not favorable.

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And over the years, over the years, these two add up.

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So, be mindful that they exist.

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if we are to wrap up today's episode. Yeah.

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And can we just

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end up with some really sort of key takeaways to help people just get started?

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Yeah.

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Yeah.

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if you have disposable income available to start investing,

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I think having a nice, broad, diversified portfolio with possibly some ETFs

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and some and some equities or some stocks and shares is the best approach.

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But really buying equities, buying into a company don't

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just buy in based on the news or Reddit

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or the next big hype train.

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Have a have a look under the hood.

00:18:02:03 - 00:18:04:11
You don't need to get deep into it, but have a look.

00:18:04:11 - 00:18:06:01
Does this company sell products

00:18:06:01 - 00:18:09:01
that perhaps you think are going to be beneficial to society?

00:18:09:02 - 00:18:11:10
Does this company have a positive balance sheet?

00:18:11:10 - 00:18:13:13
Are they profitable? just do a little bit of research.

00:18:13:13 - 00:18:16:12
You shouldn't take too much time and just consider

00:18:16:12 - 00:18:19:12
using that disposable income that you have $2 cost average.

00:18:19:15 - 00:18:22:23
So just buy a small amount each month over time.

00:18:23:16 - 00:18:27:02
And then as time goes by, if you start to earn more money,

00:18:27:02 - 00:18:28:04
you have more disposable income.

00:18:28:04 - 00:18:30:04
You can increase that dollar cost averaging.

00:18:30:04 - 00:18:33:00
then there's the platform that you decide to use. Right.

00:18:33:00 - 00:18:34:19
This is really important that you look at the platform

00:18:34:19 - 00:18:36:09
you're going to be using, that it fits your needs,

00:18:36:09 - 00:18:38:14
is it something that you feel like comfortable using?

00:18:38:14 - 00:18:40:12
I had a lot of difficulty with the Interactive Brokers.

00:18:40:12 - 00:18:41:12
Yeah, I know you didn't.

00:18:41:12 - 00:18:45:10
You actually use Interactive Brokers, but instead I like to use trading to and to.

00:18:45:19 - 00:18:47:22
I think maybe because my brain isn't as powerful as yours,

00:18:47:22 - 00:18:50:10
I couldn't get my head around Interactive Brokers,

00:18:50:10 - 00:18:52:22
but trading two and two is a bit more simplified for someone like me.

00:18:52:22 - 00:18:55:15
I found it quite easy. I at least I find it quite easy.

00:19:15:23 - 00:19:17:21
And Interactive Brokers I mean if you're someone that's

00:19:17:21 - 00:19:20:09
going to be purchasing a lot of stocks and shares in US dollars,

00:19:20:09 - 00:19:23:04
perhaps you're buying American equities and you're not from the states.

00:19:23:04 - 00:19:24:19
So you're going to have to make a currency exchange.

00:19:24:19 - 00:19:27:22
Then interactive Brokers can be very good because they have fantastic

00:19:27:22 - 00:19:30:00
effects rates. practically the mid market.

00:19:30:00 - 00:19:32:23
I don't want to get into the weeds here, but they're just a really good brokerage

00:19:32:23 - 00:19:33:12
for fees.

00:19:33:12 - 00:19:34:11
if you're watching this now

00:19:34:11 - 00:19:37:06
and you're already buying shares, you're already doing this.

00:19:37:06 - 00:19:38:20
Some of the stuff we're talking about today

00:19:38:20 - 00:19:42:01
and you're not using some of the brokerage apps that we talked about.

00:19:42:01 - 00:19:45:06
So Revolut Trade Republic trading to and to Interactive Brokers,

00:19:45:06 - 00:19:48:06
then please do share the apps platforms that you're using.

00:19:48:06 - 00:19:51:19
I'd love to hear from you and find out about the platforms that you're using.

00:19:51:19 - 00:19:55:14
Maybe Yan and I can try them out ourselves or anyone reading the comments, watching

00:19:55:14 - 00:19:58:19
this video, listening to this episode so let us know if you have any questions.

00:19:58:19 - 00:20:00:22
Subscribe to the channel if you enjoyed the video Yeah.

00:20:00:22 - 00:20:01:19
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