{"id":58782,"date":"2023-02-27T03:45:21","date_gmt":"2023-02-27T07:45:21","guid":{"rendered":"https:\/\/www.iwillteachyoutoberich.com\/?p=58782"},"modified":"2025-04-15T16:15:48","modified_gmt":"2025-04-15T20:15:48","slug":"all-about-stocks-and-bonds","status":"publish","type":"post","link":"https:\/\/www.iwillteachyoutoberich.com\/all-about-stocks-and-bonds\/","title":{"rendered":"All About Stocks and Bonds: What You Need to Know"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"58782\" class=\"elementor elementor-58782\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-147e9ad elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"147e9ad\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3b3ecca\" data-id=\"3b3ecca\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1d22e29 elementor-widget elementor-widget-text-editor\" data-id=\"1d22e29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Investing is the single most crucial thing you can do to ensure your financial future \u2014 and the sooner you start, the easier it is to get rich. There is more than 100 years of evidence in the stock market that suggests this.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Stocks and bonds are a great place to start, so we\u2019re going to dig into that in this post. But first, let\u2019s talk about the typical perceptions of investing.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:image {\"align\":\"center\",\"id\":40937,\"width\":640,\"height\":426} --><\/p>\n<figure class=\"wp-block-image aligncenter is-resized\"><img fetchpriority=\"high\" decoding=\"async\" class=\"wp-image-40937\" src=\"https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/asg_epOFtgVxWpFZYWKw2Frevision-2F1630298330542-shutterstock_534465157-scaled.jpg\" alt=\"\" width=\"640\" height=\"426\" \/><\/figure>\n<p><!-- \/wp:image --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>People still don\u2019t understand what investing is exactly. Folks seem to think there is some magical way to make a fortune with stocks and bonds. From what I\u2019ve seen, the two things people get most wrong about investing are thinking:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li>It\u2019s a 24-hour Wolf-of-Wall-Street\u2014style party where traders make millions of dollars daily while screaming \u201cSELL! SELL!!\u201d into a phone.<\/li>\n<li>Investments are incredibly risky because all the pundits scream \u201cfinancial crisis!\u201d at even the slightest dips in the markets.<\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>And, frankly, you have every reason to believe this.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Thanks to Hollywood and the (annoying) talking heads on cable news, we\u2019ve come to think of investment as a maniacal creature that\u2019s not suited for the average person&#8230;\u00a0and many of us just don\u2019t understand exactly how investing works.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>That\u2019s why we want to dispel some of those myths and notions surrounding investing by focusing on some of the most common topics you\u2019ll hear when it comes to investments:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>How do stocks and bonds work? How can you balance them in your portfolio? What\u2019s the difference between stocks and bonds?<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>This article isn\u2019t going to be about which stocks are hot right now or what sort of investment strategy is going to make you into a zillionaire today. If you\u2019re looking for something like that, I suggest you go back to watching the pundits on cable news.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>SPOILER ALERT: Cramer has done much worse than the S&amp;P 500 since 2008.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Instead, stick around for a no-BS lesson all about stocks and bonds, what they are and what part they can play in your investment future.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-752896a elementor-widget elementor-widget-text-editor\" data-id=\"752896a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id=\"h-how-do-stocks-work\">How do stocks work?<\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>When you own a company\u2019s stock, you own part of that company. Stocks are also called equity for that reason \u2014 you own a tiny piece of the company.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-stock-basics\">Stock basics<\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>If the company does well, your stock will do well. So, ideally, you want to invest in strong-performing companies.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>You can buy and sell whenever you want through your broker or self-serve sites like E*Trade or TD Ameritrade.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Inevitably, whenever I\u2019m teaching someone about the basics of stocks, someone will pipe up with a myriad of questions like these:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li>\u201cWhat stocks should I buy?\u201d<\/li>\n<li>\u201cIs X company a good investment?\u201d<\/li>\n<li>\u201cIs $XX too much for this stock?\u201d<\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>First thing\u2019s first: SLOW DOWN.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Before you make an investment in any sort of stock, you\u2019re going to want to stop and ensure you understand how to go about deciding what stocks to buy.\u00a0Understanding stocks is the first step before you start piling your money on whatever looks good on the day.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-choosing-the-right-stock\">Choosing the right stock<\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>The simplest way to narrow down the universe of stock options is to think of companies you like and use.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Take some time right now to write down 15 companies you use and return to time after time.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Think of everything. For example:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li>Food: Whole Foods, Conagra, Shake Shack<\/li>\n<li>Clothing: Under Armour, Limited Brands, Etsy<\/li>\n<li>Services: IBM, UPS<\/li>\n<li>Technology: Apple, Microsoft, Snap<\/li>\n<li>Entertainment: Disney, Live Nation, Netflix<\/li>\n<li>Transportation: Tesla, Ford, CSX Corporation<\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Instead of 5,000 stock options to choose from, you now have 15 companies you could possibly invest in.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Remember: A good company isn\u2019t necessarily a good stock!<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>For any stock, you\u2019re going to need a deeper analysis than \u201cI think khakis from Gap are awesome, so I\u2019ll buy stock from them!\u201d<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Instead, you\u2019re going to want to look at 5 different areas:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li>Trends: Are sales increasing from this time last year? 2 years ago? 5 years ago?<\/li>\n<li>Products: Is the future bright in terms of upcoming product development? What news have you heard about their future products?<\/li>\n<li>Revenues\/profits\/growth\/earnings per share: The real financial nuts and bolts of a stock. These are intimidating at first. Luckily, many sites will guide you through it.<\/li>\n<li>Insider trading: Are senior executives at the company buying more stocks (indicating they have confidence in the company) or selling?<\/li>\n<li>Management: Is management good? What is the turnover? What is their philosophy and ability to execute?<\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>You can get all of this information online for free \u2014 and you\u2019d be wise to do as much research as you possibly can. If you see a reason to doubt a company based on any of the areas above, avoid that stock.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-14c7794 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"14c7794\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d1c5b90\" data-id=\"d1c5b90\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bbed130 elementor-widget elementor-widget-text-editor\" data-id=\"bbed130\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 id=\"h-stock-research-resources\">Stock research resources<\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Here are some great websites to help you start out:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li><a href=\"https:\/\/www.investopedia.com\/\">Investopedia<\/a>: The be-all-end-all investment resource for beginners<\/li>\n<li><a href=\"https:\/\/finance.yahoo.com\/\">Yahoo Finance<\/a>: Lets you view the standard details about any stock<\/li>\n<li><a href=\"https:\/\/www.fool.com\/\">The Motley Fool<\/a>: Great for first-time investors<\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>At first, all of the charts, earnings, and balance sheets will be incredibly confusing \u2014 but the more you look into them the more you\u2019ll start to get a good sense of what\u2019s going on. It just takes practice.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Advantages of investing in stocks<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li>You can really make some money if your stock is good. If your stock is excellent, you can really beat the market. You can pick the stock in an industry you understand.\u00a0<\/li>\n<li>Your money is liquid, which means you can access it at any time by selling your stock.<\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Disadvantages of investing in stocks<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li>Unfortunately, if a company does poorly, so does your stock. Because a stock isn\u2019t diversified, that can mean disaster for you (although you can easily reduce your risk by picking bigger, solid companies).<\/li>\n<li>There\u2019s no guarantee on your investment, unlike with bonds. You could make no money or even lose money in the market.\u00a0<\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2 id=\"h-what-are-bonds\">What are bonds?<\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Bonds are like IOUs that you get from banks. You are lending them money in exchange for a fixed amount of interest.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-bond-basics\">Bond basics<\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>If you buy a 1-year bond, the bank says, \u201cHey, if you lend me $100, we\u2019ll give you $102 back in a year.\u201d<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>The approximate current rate of return for a 2-year bond is about 2%. (<a href=\"https:\/\/data.cnbc.com\/quotes\/US2Y\">Check here for the up-to-the-second number<\/a>.) Overall, bonds are:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li>Extremely stable<\/li>\n<li>Guaranteed to have a return<\/li>\n<li>Smaller in their returns<\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>With these qualities, what kind of person would invest in bonds?<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Well, anyone who wants to know exactly how much they\u2019re getting next month should invest in bonds. It doesn\u2019t matter if you\u2019re in your twenties or if you\u2019re in your seventies. If you want a stable investment \u2014 despite the lower returns \u2014 then bonds are for you.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>After all, some people just don\u2019t want the kind of volatility the stock market offers. And that\u2019s fine.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-advantages-of-bonds\">Advantages of bonds<\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li>You know exactly how much you\u2019ll get when you invest in a bond.<\/li>\n<li>You can choose the amount you want a bond for (1 year, 2 years, 5 years, etc).<\/li>\n<li>Longer time periods can yield you higher return rates.<\/li>\n<li>Bonds are extremely stable, especially government bonds. The only way you\u2019d lose money on a government bond is if the government defaulted on its loans \u2014 and it doesn\u2019t do that. It just prints more money.<\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-disadvantages-of-bonds\">Disadvantages of bonds<\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li>Because they\u2019re so stable, the reward on an excellent bond is dramatically less than an excellent stock.<\/li>\n<li>Investing in a bond also renders your money illiquid, meaning it\u2019s locked away and inaccessible for a period of time unless you\u2019re willing to incur a big penalty to take it out early.<\/li>\n<li>Unlike stocks, bonds are hard to buy and sell as an individual.<\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2 id=\"h-what-s-the-difference-between-stocks-and-bonds\">What\u2019s the difference between stocks and bonds?<\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Now we\u2019ve covered the basics of what stocks and bonds are, let\u2019s take a closer look at the main differences between them.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>The main ways stocks and bonds differ are in three ways:<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li>Type of return<\/li>\n<li>Return guarantee\u00a0<\/li>\n<li>Benefits<\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-type-of-return\">Type of return<\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>The first way that stocks and bonds differ is in how the owner gets a return on their investment. With stocks, because you own a piece of a company, you can receive dividends. These are company profits handed out to shareholders.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>With bonds, you receive a return through interest gained, because what you\u2019ve bought is basically a debt.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Another way to make money with either stocks or bonds is to sell them for a higher price than you bought them, but this depends on a lot of different factors.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-return-guarantee\">Return guarantee<\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>The one thing that pretty much everyone knows about the stock market is that it\u2019s risky. There are zero guarantees that you will make your money back, never mind more on top of that. That\u2019s the main thing that puts people off from investing in the stock market.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>Those who are especially risk-averse might have a happier time with bonds though. As bonds are debt investments, the company or government you buy the bond from has to pay you back. There\u2019s no way around it, so this is good news for you.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>You get a guaranteed return on your investment in the form of interest. The downside is that the returns are usually much lower than stocks.<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-benefits\">Benefits\u00a0<\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>The third way stocks and bonds differ is with benefits. The good thing about stocks is that you\u2019re a shareholder, which means you could have voting rights within that company.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>This does depend on the shareholder setup, however. So, don\u2019t expect to waltz through the doors at Apple HQ and make big changes because you bought one share.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p>With bonds, on the other hand, the main benefit you can get is preferential treatment when that bond matures.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-910882d elementor-widget elementor-widget-heading\" data-id=\"910882d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-xl\">The world wants you to be vanilla...\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-acc1623 elementor-widget elementor-widget-text-editor\" data-id=\"acc1623\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u2026but you don\u2019t have to take the same path as everyone else. How would it look if you designed a Rich Life on your own terms? Take our quiz and find out: <!-- notionvc: 99dc04b7-5be3-48ff-83ad-88e6cb16ce07 --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3199317 elementor-widget elementor-widget-button\" data-id=\"3199317\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.iwillteachyoutoberich.com\/rich-life-quiz\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Take the Quiz<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-aef8257 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"aef8257\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cad9ab2\" data-id=\"cad9ab2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-56251b9b elementor-widget elementor-widget-text-editor\" data-id=\"56251b9b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><!-- wp:paragraph --><\/p>\n<h2 id=\"h-what-is-equity-vs-debt\"><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">What is equity vs. debt?<\/span><\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">The two types of investment you need to know about are the equity and debt markets. These refer to two different ways investments are bought and sold.\u00a0<\/span><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">In the debt market aka the bond market, investments in loans are bought and sold.\u00a0<\/span><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">In the equity market or stock market, it\u2019s equity in a company that\u2019s bought and sold.\u00a0<\/span><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Generally, the equity market is deemed a higher risk than the debt market.\u00a0<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2 id=\"h-how-does-the-bond-market-work\"><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">How does the bond market work?<\/span><\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">The bond market or debt market works by a company taking a loan out. Instead of heading over to the bank, they\u2019ll get that funding from investors who buy bonds.\u00a0<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">The company then pays an \u201cinterest coupon\u201d which is the annual interest rate paid on a bond.<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Bonds fall into either short-term, medium-term, and long-term. Short-term bonds \u201cmature\u201d or are paid off essentially within one to three years. Medium-term bonds last around ten years and long-term bonds mature over much longer periods of time.\u00a0<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-do-you-earn-capital-gains-on-bonds\"><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Do you earn capital gains on bonds?<\/span><\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Capital gains are what you earn after you sell an asset for more than you bought it for. For example, if you purchase a house and it shoots up in value by the time you sell it, you just made a capital gain. In the stock market, if you sell a stock for a higher price than you bought it, congratulations, you just made a capital gain.<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">But what about bonds?<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Bonds are a little trickier because they\u2019re typically a bit harder to sell than stocks. With bonds, your source of income is related to interest rather than equity income.\u00a0<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Bonds are often not held until they hit maturity and are sold before then. If you do this, you might earn a capital gain (or loss) depending on what has happened to the company that sold you the bond. If you manage to sell your bond for higher than you bought it, this is a capital gain.\u00a0<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2 id=\"h-how-does-the-stock-market-work\"><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">How does the stock market work?<\/span><\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">The stock market or equity market is a market where the share of ownership in a company is bought and sold.\u00a0<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">There are two main ways to make money from stocks<span class=\"fr-style\">\u2014<\/span>dividends and selling.<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Owners of stocks can profit from dividends, a percentage of company profits that shareholders receive. It might be a bit weird to think of yourself as a shareholder&#8230; but that\u2019s exactly what you are if you own a stock.\u00a0<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Depending on a myriad of factors, whoever owns stock can also profit when they sell it. But this only works if the market price has increased since you bought it.\u00a0<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">The stock market is a bit more volatile than bonds. Stocks can shoot up in value or plummet for a whole range of reasons. Stocks can be affected by social changes, politics, economic events, or even the CEO tweeting (eye roll emoji).\u00a0<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">This makes them a riskier investment, but that\u2019s why you need to educate yourself on them. And if you\u2019re still here congratulations!\u00a0<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2 id=\"h-how-should-you-balance-stocks-and-bonds-in-your-portfolio\"><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">How should you balance stocks and bonds in your portfolio?<\/span><\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">So now we\u2019ve covered the basics of stocks and bonds, the question is: What do you invest in? You can do either stocks or bonds but a mix of the two is a popular choice. It spreads your risk and diversifies your portfolio<span class=\"fr-style\">\u2014<\/span>something you should always aim for.<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">But which should you invest more in? The safer, guaranteed but low returns of bonds or the higher risk, higher reward stocks?<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Well, there\u2019s no clear-cut answer here. It all depends on\u2026<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\"><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Your attitude to risk<\/span><\/li>\n<li style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\"><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">How close to retirement you are<\/span><\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Investment portfolios all fall somewhere on a scale of super aggressive to conservative.<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">A super aggressive investment strategy would be to put 100% of your money into stocks. A conservative portfolio would have no more than 50% in stocks.<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">For moderate growth, you\u2019ll want to look at more of a 60\/40 split of stocks and bonds.\u00a0<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">How does that relate to retirement?\u00a0<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">If your portfolio is a key part of your retirement strategy, then the amount of risk you should take depends on how close you are to retirement. In other words, if you\u2019re nearing retirement, you don\u2019t want to dump all your money on high-risk stocks. You\u2019ll want to rebalance your portfolio to be a bit safer and predictable. In this case, you\u2019d probably opt for the more conservative split.\u00a0<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Those who are younger have a bit more flexibility because generally, the more time in the market, the more time your portfolio has to recover if it takes a dip.<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2 id=\"h-how-do-you-start-investing-in-stocks-or-bonds\"><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">How do you start investing in stocks or bonds?<\/span><\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">So now you\u2019re all filled in on what stocks and bonds are, how do you start investing in them?\u00a0<\/span><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">As the taste for investing grows, so do the options available to us. Now it\u2019s easier and more accessible than ever.\u00a0<\/span><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Here are a few popular options to get started:<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-use-an-online-brokerage\"><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Use an online brokerage<\/span><\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Possibly the most popular method of investing is to use an online brokerage. This works much in the same way as a traditional in-person broker does but the fees are lower and you can do it all through your smartphone.\u00a0<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Online brokerages let you buy all types of investments including individual stocks, funds, and bonds through a website or app.\u00a0<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-mutual-funds\"><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Mutual funds<\/span><\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Another popular way to invest is to use a mutual fund instead of investing in individual stocks. Mutual funds are made up of several different companies so the risk of investment is spread rather than targeted and risky.\u00a0<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Unlike many online brokerages, mutual funds typically have a dedicated fund manager who picks the best investments for you. This means they come with much higher fees as a result.<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-index-funds\"><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Index funds<\/span><\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Index funds are made up of a group of companies so the risk is spread. The main difference between index and mutual funds is that index funds are passively managed.\u00a0<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">This means they\u2019re the cheaper option and they\u2019re also the less volatile option. Rather than trying to beat the market, index funds watch it and make sensible investments.\u00a0<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-robo-advisors\"><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Robo-advisors<\/span><\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">It might sound a bit sci-fi, but it\u2019s pretty simple. A robo-advisor is a digital platform that invests your money through automation and algorithms. There\u2019s little or no human contact involved (great for introverts) so it\u2019s a very hands-off type of investing.\u00a0<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<h3 id=\"h-investment-managers\"><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Investment managers<\/span><\/h3>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Finally, if you have the cash to splash and want to make some serious investments, hiring a dedicated investment manager is another option. This is the most expensive option as you\u2019ll be getting advice and tailored service. So it\u2019s not ideal for those who want to save money on fees.\u00a0<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2 id=\"h-iwt-s-investment-philosophy\"><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">IWT&#8217;s investment philosophy<\/span><\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">When it comes to what you want to invest in, stocks and bonds are both solid investments \u2014 as long as you do your research.<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">What I think EVERYBODY should be doing when it comes to their investments is simple: low-cost, diversified index funds.<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Let\u2019s look at a real-world example.<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Say you\u2019re 25 years old and you decide to invest $500\/month in a low-cost, diversified index fund. If you do that until you\u2019re 60, how much money do you think you\u2019d have?<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Take a look:<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">[insert graph from original article]<\/span><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\"><img decoding=\"async\" class=\"wp-image-40938\" style=\"position: relative; display: inline-block; float: none; vertical-align: bottom; margin-left: 5px; margin-right: 5px;\" src=\"https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/asg_epOFtgVxWpFZYWKw2Fart_u0vSuwee60RIFwZh2F1629267420158-1629267420158.png\" alt=\"pasted image 013\" width=\"602\" height=\"275\" \/><\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: bold; font-style: normal; text-decoration: none; vertical-align: baseline;\">$1,116,612.89.<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">That\u2019s right. You\u2019d be a millionaire after only investing a few thousand dollars per year.<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Smart investments are about consistency more than chasing hot stocks or anything else:<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">The two essential ways to invest your money are straightforward:<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\"><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">401k: Take advantage of your employer\u2019s 401k plan by putting\u00a0<\/span><span style=\"font-weight: 400; font-style: italic; text-decoration: none; vertical-align: baseline;\">at least\u00a0<\/span><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">enough money to collect the employer match into it. This basically means that for every dollar you contribute, your company will match that (pre-tax!). This ensures you\u2019re taking full advantage of what is essentially free money from your employer. That match is POWERFUL and can double your money over the course of your working life:<\/span><\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\"><br \/><img decoding=\"async\" class=\"wp-image-40939\" style=\"position: relative; display: inline-block; float: none; vertical-align: bottom; margin-left: 5px; margin-right: 5px;\" src=\"https:\/\/iwillteachyoutoberich.com\/wp-content\/uploads\/asg_epOFtgVxWpFZYWKw2Fart_u0vSuwee60RIFwZh2F1629267420489-1629267420489.png\" alt=\"image00 4\" width=\"602\" height=\"543\" \/><\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\"><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Roth IRA: Like your 401k, you\u2019re going to want to max it out as much as possible. The amount you are allowed to contribute goes up occasionally. Currently, you can contribute up to $6,000 each year.<\/span><\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Note: If $500\/month sounds like a lot, read all the ways you can free up that money with\u00a0<\/span><a style=\"text-decoration: none;\" href=\"https:\/\/iwillteachyoutoberich.com\/how-to-save-money\/\"><span style=\"font-weight: 400; font-style: normal; text-decoration: underline; vertical-align: baseline;\">just a few phone calls<\/span><\/a><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">.<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">If you are just starting out, it\u2019s so awesome that you\u2019re here.<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">For financial security, it\u2019s more important than anything else to start\u00a0<\/span><span style=\"font-weight: 400; font-style: italic; text-decoration: none; vertical-align: baseline;\">early.\u00a0<\/span><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">And don\u2019t worry if you think you\u2019re a little late to the game. After all, the best time to plant a tree was 20 years ago\u2026the second-best time is NOW.<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Man, I\u2019m starting to sound like a fortune cookie.<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading --><\/p>\n<h2 id=\"h-get-started-on-your-personal-finance-journey\"><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Get started on your personal finance journey<\/span><\/h2>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">If you\u2019re looking into investment, congratulations! You\u2019re making an important step in securing your financial future. Investment isn\u2019t the only thing to think about though. Nor are stocks and bonds.\u00a0<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">For a full-picture approach to personal finance, be sure to check out\u00a0<\/span><span style=\"font-weight: 400; font-style: normal; text-decoration: underline; vertical-align: baseline;\">The Ultimate Guide to Personal Finance<\/span><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">.<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">In it, you\u2019ll learn not only how to understand stocks and bonds, but also how to:<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><\/p>\n<ul>\n<li style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\"><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Master your 401k: Take advantage of free money offered to you by your company\u2026and get rich while doing it.<\/span><\/li>\n<li style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\"><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Manage Roth IRAs: Start saving for retirement in a worthwhile long-term investment account.<\/span><\/li>\n<li style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\"><span style=\"font-weight: 400; font-style: normal; text-decoration: none; vertical-align: baseline;\">Automate your expenses: Take advantage of the wonderful magic of automation and make investing pain-free.<\/span><\/li>\n<\/ul>\n<p><!-- \/wp:list --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-369b596 elementor-widget elementor-widget-qi_addons_for_elementor_blockquote\" data-id=\"369b596\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-blockquote qodef-layout--top qodef--\">\n\t\t\t\t<h4 class=\"qodef-m-text\">\n\t\t\tIf you liked this post, you\u2019d LOVE our Ultimate Guide to Personal Finance\t\t<\/h4>\n\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b096eb2 elementor-widget elementor-widget-text-editor\" data-id=\"b096eb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It\u2019s one of the best things we&#8217;ve published, and totally free \u2013 just tell us where to send it:<!-- notionvc: 4ce3b353-1a61-4b3d-8c81-d13fa0543006 --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53985ed elementor-widget elementor-widget-qi_addons_for_elementor_wp_forms\" data-id=\"53985ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_wp_forms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-wp-forms\">\n\t<div class=\"wpforms-container wpforms-container-full\" id=\"wpforms-53563\"><form id=\"wpforms-form-53563\" class=\"wpforms-validate wpforms-form\" data-formid=\"53563\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/wp-json\/wp\/v2\/posts\/58782\" data-token=\"616c9873956056bb406a67057db9d712\" data-token-time=\"1779990605\"><noscript class=\"wpforms-error-noscript\">Please enable JavaScript in your browser to complete this form.<\/noscript><div class=\"wpforms-field-container\"><div 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wpforms-field-hidden\" data-field-type=\"hidden\" data-field-id=\"12\"><input type=\"hidden\" id=\"wpforms-53563-field_12\" name=\"wpforms[fields][12]\" value=\"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/58782\"><\/div><div id=\"wpforms-53563-field_13-container\" class=\"wpforms-field wpforms-field-hidden\" data-field-type=\"hidden\" data-field-id=\"13\"><input type=\"hidden\" id=\"wpforms-53563-field_13\" name=\"wpforms[fields][13]\" value=\"53563\"><\/div><div id=\"wpforms-53563-field_15-container\" class=\"wpforms-field wpforms-field-hidden\" data-field-type=\"hidden\" data-field-id=\"15\"><input type=\"hidden\" id=\"wpforms-53563-field_15\" name=\"wpforms[fields][15]\" value=\" \/ UG to Personal Finance\"><\/div><div id=\"wpforms-53563-field_14-container\" class=\"wpforms-field wpforms-field-hidden\" data-field-type=\"hidden\" data-field-id=\"14\"><input type=\"hidden\" id=\"wpforms-53563-field_14\" name=\"wpforms[fields][14]\" value=\"{entry_page}\"><\/div><div id=\"wpforms-53563-field_20-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"20\"><div id=\"wpforms-53563-field_20\"><strong>If you like this post, you'd love my Ultimate Guide to Personal Finance<\/strong><\/div><\/div><div id=\"wpforms-53563-field_21-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"21\"><div id=\"wpforms-53563-field_21\">It\u2019s one of the best things I\u2019ve published (and 100% free), just tell me where to send it:<\/div><\/div><div id=\"wpforms-53563-field_10-container\" class=\"wpforms-field wpforms-field-name\" data-field-type=\"name\" data-field-id=\"10\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-53563-field_10\">First Name <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-53563-field_10\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][10]\" placeholder=\"First Name\" required><\/div><div id=\"wpforms-53563-field_11-container\" class=\"wpforms-field wpforms-field-email\" data-field-type=\"email\" data-field-id=\"11\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-53563-field_11\">Email <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"email\" id=\"wpforms-53563-field_11\" class=\"wpforms-field-medium wpforms-field-required\" data-rule-restricted-email=\"1\" name=\"wpforms[fields][11]\" placeholder=\"Email Address\" spellcheck=\"false\" required><\/div><div id=\"wpforms-53563-field_19-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"19\"><div id=\"wpforms-53563-field_19\">Along with the guide, I'll also send you my Insiders newsletter where I share other exclusive content that's not on the blog.<\/div><\/div><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"53563\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/58782\"><input type=\"hidden\" name=\"url_referer\" value=\"http:\/\/www.iwillteachyoutoberich.com\/all-about-stocks-and-bonds\/\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-53563\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Send me the guide!\" aria-live=\"assertive\" value=\"wpforms-submit\">Send me the guide!<\/button><\/div><\/form><\/div>  <!-- .wpforms-container --><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Investing is the single most crucial thing you can do to ensure your financial future \u2014 and the sooner you start, the easier it is to get rich. There is more than 100 years of evidence in the stock market that suggests this. Stocks and bonds are a great place to start, so we\u2019re going [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":92766,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","om_disable_all_campaigns":false,"_lmt_disableupdate":"no","_lmt_disable":"","_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[160],"class_list":["post-58782","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance"],"acf":[],"aioseo_notices":[],"modified_by":"ljknoll95@gmail.com","_links":{"self":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/58782","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/comments?post=58782"}],"version-history":[{"count":0,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/58782\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media\/92766"}],"wp:attachment":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media?parent=58782"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/categories?post=58782"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}