10 Common Investing Choices Killing Your Returns

In this video we discuss 10 common investing decisions that are hurting your returns, some of these can be classified as mistakes, or just oversight of certain concepts. I hope you enjoy!

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WHO AM I?
Hello 👋 I’m Humphrey, I used to be a financial advisor, worked in gaming/tech, and started my own eCommerce business. I make practical, rational content on investing, personal finance, the news, and much more with a data-backed approach. My goal is to help you with financial literacy and creating wealth.

PS: I am no longer a current Financial Advisor, any investment commentary are my opinions only. Some of the links in this description are affiliate links that I do receive a commission for & they help support the channel!

⏱️ Timestamps:
0:00 - Start Here
0:13 - Individual Stocks + Day Trading
2:06 - Expense Ratios
3:32 - Market Timing
5:03 - Financial Advisors...
6:17 - Emotional Investing
7:25 - Optimizing…
9:05 - Not Reinvesting Dividends
10:15 - Misaligned Asset Allocation
11:33 - Options Trading
13:37 - Not Investing in Index Funds

[humphrey]

Hi all! Thanks for your continued support on the channel, I really really really appreciate it 🙏 Grateful for your viewership, let me know how I can be better! and drop a comment

[NicholasBall]

Investing in Roth IRA can be a good choice since they are funded with after tax dollars, your contributions can grow tax-free over time. When you withdraw money from your Roth IRA in retirement, you won’t have to pay tax on it, which will help you keep more of your hard-earned money. I retired with 5 million dollars

[MichaelAD]

Buying a stock is easy, but buying the right stock without a time-tested strategy is incredibly hard. Hence what are the best stocks to buy now or put on a watchlist? I’ve been trying to grow my portfolio of $560K for sometime now, my major challenge is not knowing the best entry and exit strategie;s ... I would greatly appreciate any suggestions.

[hushbash]

The dilemma of "higher interest rate leads to expensive borrowing leads to slow economic growth" and vice versa makes it difficult to manoeuvre economic parameters. Yet the stock market isn't showing any sign of slowdown caused by a recession outlook. Investing now instead of saving would make thousands of dollars in ROI if done right.

[Chris]

I started investing at 18 years old now 22. I have invested into individual stocks. I also have Roth retirement plan with work that have a lot into something that represents VOO. But also I wanted to open a Roth IRA to have VOO, VTI, and maybe a high yield dividend etf SCHD. My individual stocks are stocks I feel like are good just because they are business models the world needs and some people just can’t live without. I focus on about 15 different good stocks. I think if you are willing to learn you can pick some solid stocks, but also never hurts to have those nice ETFs in a Roth IRA.

[Ogden]

In my 50s, I'm focused on investments for retirement. I've heard of people generating substantial passive income, like someone who earned $650K in under a year on a podcast. What's the strategy for such returns?

[rick.austin]

It took me years to really move from emotional investing to intelligent investing ;)
Emotional Investing is definitely one of the most damaging and common mistakes investors make.
Great video Humphrey! Like always!

[the_real_greywolf]

Picked 5 best performance ETF's that have a history of performing for my 401K and made 56% gain after not touching it for 14 months. It was a pleasant surprise checking it a year after doing it

[atl]

I picked some solid ETFs, which I researched extensively. Started buying them fairly regularly and have continued to do so. I truly do dollar cost average and it’s worked out very well for me. I made all the classic mistakes through the years until it finally dawned on me to quit being so speculative. I used to try to get larger gains quickly and finally realized that’s a gambler’s mentality. I just keep buying now whether the market is up or down. I buy small amounts often.

[jfox]

I am a tax CPA and have a few clients that like to play day trader. I have yet to see one to win. I have a few single stocks, but I want them for the long haul and they are only 10% of my portfolio.

[edwu]

Acquiring a stock is easy, but buying the right stock without time tasked strategy is incredibly hard. I've been trying to grow my portfolio of 210k for sometime now, my major challange is not knowing the best entry and exit strategies, i would greatly appreciate any suggestions.

[Jes]

Automating investments has been really easy to set it and check once a week. Definitely about single stocks is true. Received a couple shares do stock when I was little and sold them as soon as I turned 18, and put them in index funds.

[richhands]

My three favorite channels: Humphrey Yang, Stock Brotha, & How Money Works. Make my week complete! 🔥 🔥 🔥

[dforrest]

I absolutely learned years ago that I can’t pick individual stocks. I’ve been lucky to have a few mutual funds that have performed well.

[lgsxttq]

I enjoy watching your page, and yes, I subscribed. Currently I am collecting all my dividends in a pile, then I pick and purchase the div. stock I want. I'm trying to bring up each month to $500.00 of dividends. I used to just have my account reinvest them for me, but I would like to even the amount each month pays out. Easier said than done. It takes a lot of money. I have four months paying me $600.00, four months are at $460.00, and four months are at $105.00. I'm working on Feb., May, August, and November. I would love to get to $1, 000.00 per month but I don't believe I have that many more years left, lol.

[ron]

4:18 [Matthew Monthly divided his annual $2, 000 allotment into 12 equal portions, which he invested at the beginning of each month. This strategy is known as dollar-cost averaging. You may already be doing this through regular investments in your 401(k) plan or an Automatic Investment Plan (AIP), which allows you to deposit money into investments like mutual funds on a set But what would happen if Matthew did his dollar-cost averaging, and then every time he saw a 5% or 8% downturn in the market, added another $50 or $100 from his discretionary budget? In this he's not looking for the bottom, just picking up a little extra from the lulls which always happen. I have seen several articles for the 5 main Schwab types, but never for this approach. Bare minimum it should land the investor between Peter and Ashley.

[benjaminkerneves]

Humphrey, thanks for another informative video. That being said, the study you show at 0:43 is about day trading and you use it to talk about investment....really 2 different things! Plus, it is known that becoming a profitable day trader takes more than 300 days and the Brazilian equity futures market might not be the best place to get there.

[timcornell]

Found your page after you did the video with George Kamel. Absolutely love this channel! Thank you for making what at times seems challenging into easy to understand and super helpful information. Always look forward
To seeing what comes next! Thank you!

[jasonreviews]

hold through everything. Even the bad times.

[nikkig]

Thank you for the new video Humphrey! I just opened my Roth IRA this year :)