My Investing Plan For 2021

Here is my investment plan of 2021, where I'm investing, and where I think the stock market and real estate market will go this year - ENJOY! Add me on Instagram: GPStephan

The YouTube Creator Academy:

My ENTIRE Camera and Recording Equipment:

REAL ESTATE INVESTING:
What’s made real estate so DIFFERENT from nearly any other investment is it’s resiliency to everything that’s happened this last year…to the point where, it never really went down in price…in fact, real estate just kept going UP in price…and that was because of a few reasons:

One, when the FED lowered interest rates to 0%…it subsequently ALSO lowered mortgage rates…and that meant that, all of a sudden, the monthly cost of owning real estate became a LOT more affordable. Two, there’s a massive shortage of inventory. And third, they simply just can’t build enough homes to satisfy demand.

I would EXPECT to see more inventory coming on the market in 2021, but - as long as interest rates remain low - real estate prices should continue to hold fairly well. I believe the BIGGEST risk to real estate, RIGHT NOW - is interest rates. When the FED does EVENTUALLY raise rates, it’s going to squeeze affordability on buyers - and prices might subsequently begin coming down.

For those of those of you who DO want to invest this year, here’s my advice:
-Wait for the right deal.
-ONLY buy if you’re planning to hold the property for at least 5-8 years.
-The VALUE of your home should come SECOND to CASHFLOW.

STOCK MARKET INVESTING FOR BEGINNERS:
I’m going to quote something super cheesy that people hate hearing, but it’s the truth: “The stock market can remain irrational longer than you can remain solvent.” In other words, that means: the stock market can, and always will, outlast whatever you think it will do.

So, given that…as long as you have an investment timeframe of longer than 10 years…the best thing you can do is just ignore the noise and keep investing. My plan this year is to invest about 85% of my money in an SP500 index fund and that’s it.

The other 15% of my stock-market money will likely be invested in individual stocks that I believe in long term. Lately, I’ve invested smaller amounts in solar and other green energy companies, because not only do they help a cause that I believe in - but, I think they’ll do really well as more people embrace renewable energies.

So, overall…practically, here’s my investing plan for 2021 and exactly what I’m doing with my money, with some takeaways that will also apply to you:

First, I’m keeping a large cash reserve JUST IN CASE anything happens.
To me, this is my peace-of-mind to sleep well at night knowing that, IF anything were to happen - I’d have enough to fall back on to be okay.

Second, I’m re-investing about 85% of my left over money BACK into the stock market.
I’m doing this just by consistently dollar-cost-averaging into the markets, and that’s it.

Third, the other 15% is investing in the “other category”
This includes individual stocks, startup ventures, starting other businesses, or - a very, very tiny 1% portion in bitcoin / ethereum.

Fourth, if I use the cash position - it would be for an unbelievable opportunity.
This might mean buying real estate, it might mean an angel investment, it could be buying more stocks - I’m leaving this one up to opportunity,

And most importantly - DON’T SELL, even if we see things go down. The best thing you can do is stay the course, keep to the plan, stay consistent, and keep buying. Study after study have shown that those who hold their investments and keep buying, long term, end up making the most money...as long as you smash the like button.

*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

[danielrusso]

My investment plan: give all of my money to a Nigerian prince and wait for him to give me millions in return

[KayLaFro]

I love the way you ask for likes/subscribers. It can get repetitive hearing EVERY Youtuber say this in their videos but you always make it funny and make it stand out so I always hit the like button!

[TheWealthPrince]

Investing plan unclear: Betting my life savings on dogecoin

[wellsfamily]

This guy seems smart he should get into real estate

[KLUDUP]

Learned a lot during this pandemic and my favourite thing so far is getting in the stock market. It’s completely changed my life. My goal for this year is to build my portfolio to at least 15k by the end of 2021. Hopefully more 🙏🏾

[joekazinsky]

I really enjoy the advocacy and explanations of financial sector investments from you Graham. I feel like the majority of the real estate centered advice is much more common sense especially given the slower pace of any action whether its buying or selling a piece of land, whereas the "don't panic sell and keep putting money into indexed large market funds" can't really be reinforced enough.

[robertthurmond]

if you’re just starting, it may not be a bad idea to begin with an S&P 500 index fund since it gives you such broad exposure out of the gates, but remember that you can buy multiple funds to build a portfolio that fits you, I've put in quite an effort into VIGAX, VXUS, ViTAX and my portfolio grew over 230% last year just hit the 7 figure mark...

[anthonyparedes]

Invest in a Ford GT? There’s no other answer than YES.

[bibhasdmusic]

Can't invest the money I don't have. Will come back later.

[RichardWalls]

This is where Graham actually reveals he's selling everything and investing in Bitcoin.

[RelearnMath]

Hey Graham, what do you think about FBGRX

[CaseyBurnsInvesting]

Instructions unclear, all in GameStop.

[machinegunkawi]

I’m kind of a nobody but i am a big fan, you have helped me succeed in life and i would like to see you get something you deserve man.. i know you’re the “frugal guy” but.. you really do deserve it and if someone didnt root for you and be excited to see you happy with a ford GT you dont need them.. i hope you get it 🤙🏻 thanks for everything

[MickaelaFrostFit]

To anyone just starting out investing: one of my favorite quotes, “time in the market beats timing the market”.

Even though how obviously over valued the stock market is, no one knows exactly when it’s going to tank

[trippeyt]

Investing plan unclear: Put whole country's trust fund into GME shares

[henrygardner]

A diverse portfolio spread across stocks and bonds and etfs is generally my ideal investment to beat inflation for the average investor it provides greater long term returns. it has worked out best for me in achieving a million in profits on my portfolio also with the help of a investment advisor handling my portfolio. smart investing is key.

[sararay]

Can't say how much I love your videos. (I would love them even more if you sounded a bit more calm)
Thank you for sharing your knowledge with us.

[ThinkMoneyBenny]

The investing plan in 2021:
YOLO it 🚀

[TerryOuzounelliauthor]

''An idiot with a plan can beat a genius without a plan''. That worked for me! lol

[underpressure]

If you unbutton any further, this title is going to need a NSFW warning