Investment Strategies and Experiences

Historical Investment Experience

• Investment Start: Imagined scenario starting in 1985.
• Market Volatility: Experienced several market downturns:
  • Black Monday: Massive one-day drop.
  • Dot-com Crash: Nasdaq decline.
  • 2008 Financial Crisis: Global economic impact.
  • COVID-19 Pandemic: Initial crash followed by a rapid recovery.
• Outcome: Consistent investment over time leads to substantial growth.

Personal Investing Experience

• Initial Investment: Started at age 18.
• Average Return: 11.23% per year.
• Hypothetical Investment: Investing $250/month would have resulted in $1,841,521.08.

Investment Strategy and Steps

• Importance of Starting Early: Encouraged to start investing young to maximize growth.
• Account Setup:
  • Use tax-advantaged accounts (Stocks and Shares ISAs, Roth IRAs).
  • Example platform: Trading212 app.
• Deposit Funds: Utilize various methods (e.g., bank transfer, Apple Pay).

Free Stock Opportunities

• Promotion: Use code "Tilbury" for a free stock offer on Trading212.
• Referrals: Gain additional free shares by inviting friends.

Investment Strategy

• Index Funds: Invest in index funds like S&P 500 for diversification.
• Automated Investments: Regular, automated investments (comparable to a coffee per day).
  • Example: £5/day into S&P 500.
  • Benefits: Set and forget, simplicity.

Individual Stocks

• Stock Picking:
  • Analysis Types:
    • Technical Analysis: Short-term, chart-driven.
    • Fundamental Analysis: Long-term, company fundamentals.
  • Long-term Approach: 2-5 year investment horizon.
  • Platform Features: Use Trading212 for stock research and buying.

Investment Risks and Considerations

• Risks: Investment comes with risks; markets fluctuate.
• Inflation: Investing helps mitigate inflation impacts.
• Diversification: Reduce risk by investing in a variety of assets.

Conclusion

• Start Young: Early investing results in significant growth over time.
• Diversified Portfolio: Essential for enduring market downturns.
• Next Steps: View additional educational content on wealth growth.