HOW TO INVEST $25,000 📈 Investing Your First 25,000 Dollars #Best Education Page #Online Earning

what's going on today you guys so we are

talking about how to invest 25 thousand

dollars today

now this is an ongoing series I've been

doing I've already covered how to invest

$1,000 $5,000 and $10,000 so a lot of

information kind of repeats itself and

I'm trying to avoid that so I'm trying

to bring in information with each video

in case you guys are watching all of

these and make sure you guys let me know

if you want to see me do like 50,000 or

$100,000 or anything beyond that so if

you want to see those videos leave me a

comment below otherwise I might stop it

at this video just because at this point

I've really covered a lot of the basic

ways you can invest and I don't really

want to repeat myself if you guys aren't

really interested in that information

what I might do though is go back

through and just do solely on stock

investing so investing $1,000 in stocks

$5,000 in stocks and maybe go more

in-depth like that but anyways here we

are with how to invest $25,000 so the

first thing I want to talk about before

I get into what your best bets are for

investing is based on how long you're

trying to invest this is what I would

recommend so if you're a short term

investor and you're looking to use that

money in under two years I would

actually highly recommend just keeping

it in cash because markets can be so

volatile even with a mutual fund you

could end up down on your investment

within two years so maybe you have

$25,000 you're saving for a down payment

on a house just keep it in cash or see

if you can find the CD or certificate of

deposit it will be difficult to find one

for such a short term and it will be a

very very small interest rate but if

it's more than what you're getting in

your savings account it's still better

than nothing so I would recommend

looking for a CD and again it may be

very difficult to find one that's such a

short term like that I know I have one

through my bank because I have a secured

credit card and I think my interest rate

is 0.25 percent but then again it is

slightly more than my savings account so

if that's worth it to you why not do

that but if not just hold on to it in

cash and don't worry about investing if

you needed such a short-term now if

you're in the mid term and you're going

to be using that money in maybe two to

five years I would still recommend a

certificate of deposit or in index or a

mutual fund in a good mark

okay so if you believe that the market

is very healthy and you don't see

anything bad on the horizon then yes

involve yourself in a mutual fund or an

index fund but understand that a lot of

people right now are speculating that we

will have a recession in the near future

simply because we generally have one

every ten years so you want to make sure

you consider the market conditions

because obviously if we go into a

recession markets across the board go

down so you have to consider whether or

not you feel we are possibly nearing a

recession before you involve yourself

for such a short period of time

the longer you involve yourself the more

time you have for markets to recover so

I wouldn't worry so much in the five to

ten year range but definitely for the

two to five year range consider the

overall market conditions so now we've

reached the mid long-term I would call

that five to ten years so maybe five to

ten years down the road you're looking

to use this money that's what I would

say definitely the index or the mutual

fund is probably your best option but if

you want to be more involved with your

investments you could definitely start a

stock portfolio then we get into the

long term which is 10 to 15 years and

that is what I recommend a stock

portfolio for sure and then maybe if you

want to be more passive with your

investment in that your mutual fund is a

great idea you could also look into

bonds at that point or real estate so if

you want to get invested in real estate

and start maybe being a landlord and

getting that income from of being real

estate owner there and renting it out to

people you could consider getting into

real estate but I definitely would make

sure you want to be involved in that for

10 to 15 years before you think about

buying a piece of real estate and then

you can write it for a very long term 15

years plus I would highly recommend

maxing out your contributions to your

Roth IRA I believe right now it's $5,500

a year that is a retirement account and

I would just highly recommend it if

you're looking to invest super long-term

before you do other stuff why not max

out that Roth IRA and then maybe the

remaining point of dollars or so you

could put towards something else in the

list here but if you're going to be

investing that far long-term retirement

account is not a bad idea at all but

we're going to start with investing

$25,000 in stocks so we're talking about

market cap here or market capitalization

and if you guys are familiar with this I

did do a video talking about market caps

so maybe check that out afterwards to

get a better idea what

talking about but this is the stocks

based on the size of their market cap so

first we have mega cap stocks which have

a market capitalization of over 200

billion dollars these are the big big

companies the blue chips are called

these are the Titans of the industry or

the industry leaders often these are

also dividend stocks because they're

very large company that they had

dividend then we have large cap stocks

there in the 10 billion to two hundred

billion dollar range and these are like

the up and coming leaders often times

these are dividend stocks as well and

then we have mid cap stocks they have

market cap over two billion to ten

billion dollars and this is what you

call your growth stocks and these are

these tend to be the newer companies so

basically how you set up your investing

portfolio is largely based on your risk

tolerance and you have a different blend

of these three stocks here based on your

risk tolerance so let's say you're 20 21

years old you have $25,000 maybe you

inherited some money you have a long

time to basically recover from any

losses so you may have more risk

tolerant than somebody who's looking to

retire in ten years so you have to

understand what your own risk tolerances

and then basically set up a portfolio

according to that so if you're looking

for a very low risk you want to involve

yourself in five large or mega cap

stocks and it can be more than five if

you want to be more diversified

especially now with Robin Hood you know

we got commission free trading so that

does help a lot because a lot of the

time when we were looking at investing

you had to consider your commission

costs but now we have a lot of new

trading platforms where you don't pay

Commission so that's no longer a factor

so you can be more diversify now and you

want to make sure you involve yourself

in different sectors as well just in

case one sector is doing poorly you

don't want to be fully involved with all

of your companies in that sector so the

lowest risk is five for more large or

mega cap stocks across different sectors

now if you're looking for mild risk that

might be ten to twenty percent growth

stocks eighty to ninety percent of these

blue chips or these large and mega cap

stocks medium risk would be maybe thirty

to forty percent growth stocks and sixty

to seventy percent blue chips and then

if you're looking for a mid to high risk

that would be fifty percent growth

stocks or 50 percent blue chips or

involving yourself or your whole

portfolio in one sector so maybe you

really wanted to involve yourself

heavily in the sunlight

dr. industry I don't know why you would

you would want to have all your eggs in

one basket but that's where you're

getting into MIT or high risk even if

you're looking at mega and large cap

stocks

if you're all in one sector there's

higher risk at that point because it's

very it's more likely that one sector

will do poorly than for all of them to

do poorly and then for high-risk that

would be the majority to all growth

stocks so depending on what your risk

tolerances may be one of those fits for

you and now we're going to talk about

stupid risk these are things that I

highly recommend you avoid entirely

number one is the pink sheets the

over-the-counter bulletin board or

unlisted stocks those are stocks that

you're not going to find on the major

and as that here of stock exchanges

these are also called penny stocks I

wouldn't touch these with a 10-foot Pole

especially with that size or that sum of

money if you have $25,000 don't go

anywhere near penny stocks they're not

going to be good long-term investments

and i wouldíve I wouldn't even consider

them good short-term investments either

I've also done videos talking about

penny stocks so if you want to know why

those are a terrible investment I have

that video on my channel as well I would

avoid biotech and pharmaceutical

companies because they are extremely

volatile and largely based on FDA

approval of a lot of their drugs so I

don't like having my money riding on

something like that

so I avoid those entirely also mining

companies have very high volatility I

would stay away from those and also

having all X in one basket

so I would definitely not recommend

taking $25,000 and putting it into one

individual stock all right so let's say

you're looking for a more passive

investment and you don't want to have an

active investment like investing in

stocks I would say lower risk and stocks

would be investing in mutual or index

funds obviously what I mean by that is

you know stocks is a more active

investment because you have to keep

track of them and eventually you have to

determine the best time to sell them so

if you don't want to worry about that in

keeping track of individual stocks you

can just invest in the mutual fund and

that is a very passive investment index

funds as well and if you're looking for

a lower risk than mutual or index funds

if you're very nervous about your money

or you're just very close to retirement

or you just don't want to risk losing

that money that's when I would recommend

bonds or certificate of deposits and

obviously the lower risk I don't think I

explained this on the last partner the

lower risk the lower potential reward

the higher

there is the higher potential reward

there is so obviously as you lower your

risk the actual return on investment is

going to be lower but the amount that

you could possibly lose will also be

lower as well so that's why it's

important for you guys to determine your

own level of risk tolerance and invested

cording ly so one of my other favorite

ways to invest money is to invest in a

business so something you're starting

yourself and this is the way to get the

greatest return on investment I don't

think anyone can argue that investing in

yourself or investing in your own

business will get you the best return on

investment now here's just a couple of

things you can do with $25,000 many of

these don't even cost as much and I do

have a couple of these that I included a

lower cost option in case you're not

looking to invest all of that money but

there are a lot of low cost franchise

opportunities out there I'm not going to

list them here because I'm sure the

prices of those change but I did a

little research and I found one website

that had 32 different franchise

opportunities that were under $25,000

you could also do a food truck or if

you're looking to invest a small amount

of money a food cart because a food cart

should definitely not cost you $25,000

if it is you're buying way more than you

need so maybe a food truck would cost

you 25 thousand to get up and running

definitely not a food cart so don't be

spending 25 grand on a food cart wheel

around the fair or wherever you plan on

using it you could start you could open

like a coffee or like a lake food

business maybe like a breakfast place a

lot of people are doing tea shops as

well now so maybe that type of business

a clothing boutique and if you want to

go even lower maybe you do a consignment

shop where you have people bring stuff

in on consignment and when you sell it

you give them a portion of the proceeds

that's the above if you live in a nice

area and you have a lot of people who

buy new clothes they could bring their

gently used items to you and sell them

and you guys split the profits you could

open up at grooming business if you have

experience with that and obviously again

that's something that shouldn't cost you

$25,000 if it is you're probably

spending too much on grooming equipment

and Tufts and stuff like that you can

start a cleaning business so you could

do this on a cheaper scale maybe you're

just doing household cleaning so you

basically would have you go indoors or

whatever or go to people's houses and

clean for them but if you're looking to

scale it I would recommend commercial

cleaning maybe invested some

real vacuum cleaners some bands or

probably one band realistically and then

do commercial cleaning of office

buildings and then you may be able to

build that business over time obviously

the commercial cleaning will be a more

expensive version and just being a

household cleaner would be a cheaper

version and then possibly consider

opening a small fitness studio if you're

really into fitness and you want to do

group training you could absolutely get

the equipment together to open a small

studio for what much less than $25,000

and then the third way that I have to

invest $25,000 is to invest in real

estate now there's many different ways

you can do this I have a whole video I

know I've Sears like I'm plugging all my

videos during this but this is just kind

of like a snapshot and if you guys want

more information about any of this I've

covered all this on my channel so like

the reason I'm not going in depth on

mutual funds and CDs it's because I've

covered them in the previous videos on

how to invest 1 thousand five thousand

and ten thousand dollars so if you want

that information just go back and check

those videos I didn't see a reason to

basically just restate what I already

have but here's a couple ways you can

invest in real estate number one is

direct ownership so basically you're

going to get a mortgage on a property

and rent it out so obviously if you get

positive cash flow that's the money in

your pocket each month and even if you

break even on that where basically your

expenses are equal to what you're making

on the property as far as rent goes at

that point you're building free equity

on an appreciable asset so what that

means basically is you're building

equity on something somebody else is

paying a mortgage entirely while that

asset itself is appreciating over time

so when you do go ahead and sell that

house hopefully in typical markets in a

good area you're going to sell it for

significantly more than you bought it

for I'm talking like 20 30 years down

the road if you had a 30-year mortgage

or something like that obviously for a

shorter term that's why I don't

recommend real estate if you're looking

to invest for less than 10 to 15 years

because there could be a market

correction where you could end up lower

on that within a couple of years but

anything beyond 10 15 years you should

be up in typical markets in a good area

then there's investment groups maybe you

don't want the hassle of being a

landlord you can look into an investment

group this is where investors pull money

towards the purchase of a piece of real

estate it's often condominiums or

apartments it's an entire building then

the management

you basically have a management company

that facilitates rent collection as well

as vacancies and actually putting people

in those apartments and then they also

do the maintenance for a fee and it is a

high fee so obviously you're more

potential return on investment with

direct ownership than there is a real

estate investment group but if you don't

want to be a landlord and you don't want

to have so much risk associated with

that then maybe an investment group

makes more sense for you and then the

third way is to finance the flip and

this is also I consider this a high-risk

investment as well so maybe you have a

friend or you know someone who flips

houses and they're very good at it they

do it often and they always make money

on it where they typically do maybe

they're looking for somebody to finance

their flips so you front them the money

they flip the house they keep a portion

of the money and then you get a portion

of the money back again this is probably

high-risk but essentially like I said

there you're going to loan the money to

someone who is buying real estate to

flip it and then they're going to

basically have their sweat equity which

is going to be the return on investment

so obviously the idea with the flip and

you buy a house that you need to prepare

is a good area you fix it up all nice

and you sell it for more than you spent

repairing it plus the cost of the

initial house and then maybe if you

finance that flip you guys split a

portion of the proceeds so that's just

another way that you could invest in

real estate but I don't see there's a

ton of different ways you could invest

this was just a couple of my favorite

options and like I said before your best

return on investment is going to come

from investing in yourself or starting

your own business so those are always my

favorite ways to invest but anyways guys

that's pretty much all I got for this

video if you enjoyed it please drop the

like on this and then consider

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uploads and as always I thank you guys

for watching this video

you

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