The 5 BEST Investments To Make in Your 20s

The YouTube Creator Academy:

FIRST: YOUR CREDIT SCORE
This will unlock the lowest interest rates imaginable, allow you to leverage your money, and build your wealth effectively. Plus, it's pretty much free to do:
1. Open up a secured credit card
2. Pay it off in full every month
3. After 6 months, open another credit card
4. Pay that off in full every month
5. Monitor your score at CreditKarma or CreditSesame
6. Be patient !

SECOND: AN WORLDWIDE / SP500 INDEX FUND
This is a collection of the Top 500 LARGEST publicly traded companies here in the United States, or - you can get a total stock market index that covers a little bit of everything.

When it comes to stock picking, it was found that 92% of investors UNDERPERFORM the SP500 over a 15 year period…which means, chances are, statistically…you will make LESS MONEY investing on your own, than simply just throwing your money in the SP500 and forgetting about it.

THIRD: INTERNATIONAL INDEX FUND.
Now, here’s the thing - when it comes to index funds in GENERAL…I like them because of their SIMPLICITY. Instead of going and trying to pick the best stocks and then anxiously waiting for them to go up in value…index fund investing is a MUCH more passive approach.

This is an index fund that covers the stock market OUTSIDE of the United States. The advantage here is that, as other countries grow and develop, their stock prices increase - and your investments do better. Throughout history, there have been multiple times where international funds OUTPERFORMED the United States, like throughout most of the 1980’s and 2000’s…and that’s worth taking into consideration.

That’s why I’ve allocated about 20% of my entire stock market portfolio to an International Stock Market Index Fund, because - most likely - the US stock market won’t always be in the lead, and it’s important to diversify your position as much as possible if we’re talking about an investment that you’re planning to buy once, and then hold on to for the next 20-60 years.

FOURTH: REAL ESTATE INVESTING
-First, everyone needs a place to live.
-Second, a bank will lend you most of the money you need to buy a house - as long as you can come up with a 10-20% down payment.
-Third, since you have complete control over the house - you can make strategic renovations to the property that would increase it’s value, or increase the amount you can charge for rent.
-Fourth, the house could serve multiple purposes…so, either you can live in it as a cheaper alternative to renting…or, you can rent it out to someone else for an immediate return on your money.
-Fifth, I see real estate as a MASSIVE HEDGE against inflation long term.
-Sixth, there can be significant tax savings.

FIFTH: CRYPTOCURRENCY
Even though it's volatile, your 20s are the best time to take risk, and in the event it doesn't work out - you have the rest of your life to financially recover.

Most of this is simply about building the proper financial foundation while you’re young and can afford the risk, and then - throughout your 30s and 40s….maintaining these investments until they can do all the heavy lifting for you.

My ENTIRE Camera and Recording Equipment:

[AlexaMadison]

I love the idea that these videos can be watched by anyone anywhere. Teens can now learn about financial freedom quickly and for free.

[erosfederico]

I ponder on how my retirement experience would generally feel like because I've not yet been able to save enough money and according to my spreadsheet I'm 9 years closer to my retirement schedule.

[adammlamali]

Honestly, even as big are you are you are still massively underrated! This channel definitely gave me the courage to invest into new things and for that … the like button shall be destroyed🤝

[JackDuffley]

I love how Graham always tries to pronounce index fund stock ticker symbols rather than just saying the letters 😆

[kodys]

I’m going to be 18 soon and I’ve had a sudden boost of responsibility so I’m getting ready for these types of things so Thanks Graham

[ChrisDAndrealifestyledesign]

Buying real estate in your 20s is a great way to profit from inflation. As the US dollar loses value, your mortgage becomes cheaper every year. Great video. The like button, subscribe button, and notification bell have been destroyed

[Hawking]

Shout out to us 50+ old people who love watching you Graham! We may be old, but we're either trying to catch up, or doing very well!

[starionesir]

Definitely need a mid 30s "wasted my youth financially" version. Please and thank you!!!

[PierceJordan]

Instructions unclear--bought a jpeg of a rock

[ZacharyBuhler]

Your index fund advice is a game changer for me! I’ve been waiting to do some “bridge” investing so I can F.I.R.E. by the time I’m 37. I’m going to start some index fund investing to reach my goals. Thanks Graham!

[JohnnySins]

A Graham stephan videos always put a smile onto my face

[timwest]

This makes sense, good thing is, people are getting to know Cash is trash! It is designed to fail. So many ways to stay ahead in a competitive market and so many ways to prepare for an amazing future

[anshulgupta]

I know you don’t like to make these kind of videos but we love em! keep em coming!

[Hcalis]

Thanks for the advice Graham, will defo take on board. You keep motivating me to make videos, so thank you!!!

[JackDuffley]

Just closed on a real estate deal, so getting ready to apply for some more credit card bonus offers 💳💸

[minz]

I watch this channel to be financially literate. Very helpful if you are in your early 20's. Thank you for all your hard work.

[chuck]

Thanks for translating this information into a format that makes it easier for us to understand. Some of this stuff is hard to wrap your head around. Cheers.

[WhosChaarlie]

Who in their 20s has enough money to buy a house for themselves AND rental property? Not all of us have crazy income to afford all of this.

[jahimuddin]

I turned 20 yesterday. Perfect.

I got my first secured credit card about two weeks ago so I am excited about that

[HiTido]

Can we get a Roth IRA/ Index Funds focused video? A lot of the time you recommend stocks with low interest rates/yearly returns which of course means lower risk but in terms of those thats not always the best option