Investing for Teenagers

00:03:39
https://www.youtube.com/watch?v=cxlOzNa_lzk

Resumen

TLDRVideoen diskuterer, hvordan teenagere kan begynde at investere deres penge ansvarligt, og understreger vigtigheden af at håndtere økonomi tidligt. Den foreslår at bruge Vanguard til at oprette en Roth IRA og investere i en målretning pensionsfond. Videoen opfordrer til at spare op til nødsituationer og ikke investere alle tilgængelige midler.

Para llevar

  • 💡 Start tidligt med at investere for en bedre fremtid.
  • 👨‍👩‍👧‍👦 Få dine forældre til at hjælpe med at åbne en konto.
  • 💰 Vælg Vanguard for lave gebyrer.
  • 📈 Overvej en Roth IRA for skattefordele.
  • 📅 Invester i en målretning pensionsfond.
  • 🏦 Hold penge til nødsituationer adskilt fra investeringer.
  • 📊 Total stock market index fund er en god mulighed senere.
  • 🔍 Vær specifik i dine investeringsvalg.
  • 🚀 Spar op, indtil du har $1,000 til at investere.
  • ⏳ Giv din fremtidige selv penge til at holde på.

Cronología

  • 00:00:00 - 00:03:39

    I denne del to af vores opfølgning på videoen om, hvorfor de ikke lærer os i skolen, diskuterer vi positive aspekter ved investering for teenagere. Vi anerkender, at mange unge ønsker at lære at investere deres penge, og vi opfordrer dem til at håndtere deres økonomi ansvarligt. Selvom vi ikke er kvalificerede finansielle rådgivere, deler vi vores erfaringer og anbefalinger. For teenagere under 18 år er det vigtigt at få forældrenes hjælp til at åbne en fælles konto, og vi anbefaler at bruge Vanguard på grund af deres lave gebyrer. For at starte en konto kræves der mindst $1,000, og vi foreslår at vælge en Roth IRA, da teenagere ofte betaler lidt i skat. Når kontoen er oprettet, anbefaler vi at investere i en målretning pensionsfond, som f.eks. Target Retirement Date 2016. Det er også vigtigt at have penge til uventede udgifter, så man ikke skal tage penge ud af investeringskontoen.

Mapa mental

Vídeo de preguntas y respuestas

  • What is the best way for teenagers to start investing?

    Teenagers should consider setting up a Roth IRA with Vanguard and investing in a target retirement fund.

  • Do teenagers need parental consent to open an investment account?

    Yes, teenagers need their parents to help them sign up for a joint account.

  • What is a Roth IRA?

    A Roth IRA is a retirement account that allows for tax-free growth and tax-free withdrawals in retirement.

  • How much money do I need to start investing with Vanguard?

    You need at least $1,000 to set up an account at Vanguard.

  • Should I invest all my money?

    No, it's advisable to keep some money set aside for emergencies.

  • What fund do you recommend for teenagers?

    The target retirement date fund is recommended for teenagers.

  • Why choose Vanguard?

    Vanguard is chosen for its low fees and because it is not shareholder-owned.

  • What if I don't have $1,000 yet?

    You can save your money in a savings account until you reach $1,000.

  • What happens if I need money for emergencies?

    It's important to keep some money in a bank account for unexpected expenses.

  • What is the total stock market index fund?

    It's a fund that invests in a broad range of stocks in the market.

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  • 00:00:00
    welcome to part two of our follow-up to
  • 00:00:01
    the video why don't they teach us in
  • 00:00:03
    school we already discussed all the
  • 00:00:05
    controversy about the 12% rule in the
  • 00:00:07
    comments and you can go look at that
  • 00:00:09
    video here but in this one we wanted to
  • 00:00:10
    talk about something a little bit more
  • 00:00:12
    positive we were pleasantly surprised
  • 00:00:13
    after posting the video to hear back
  • 00:00:15
    from a lot of teenagers wondering how to
  • 00:00:17
    invest their money so we quickly want to
  • 00:00:19
    talk to you guys first congratulations
  • 00:00:22
    life is going to be so much better and
  • 00:00:24
    easier for you if you just manage your
  • 00:00:26
    money responsibly so kudos to you for
  • 00:00:28
    getting a head start but first we want
  • 00:00:30
    to explain to you that we are not
  • 00:00:32
    qualified to teach you how to invest
  • 00:00:33
    we're not licensed We're Not educated
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    we're not accountants we're not
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    financial planners we're not anything
  • 00:00:39
    except a couple of people with a camera
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    and a kitchen but this is what we would
  • 00:00:44
    do if we were in your shoes and it's the
  • 00:00:46
    same thing we'll teach our kids and
  • 00:00:48
    pretty much the same thing we did when
  • 00:00:49
    we were teenagers what we are going to
  • 00:00:51
    do in this video is be very specific and
  • 00:00:53
    that can be controversial but we want to
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    be specific because when we were young
  • 00:00:57
    all the vague and confusing terminology
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    just to kind of to protect yourself
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    didn't help us at all we've previously
  • 00:01:02
    made a video called Investing For
  • 00:01:04
    Beginners that tells you how we invest
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    in the stock market but it requires
  • 00:01:09
    $3,000 to get started based on your
  • 00:01:11
    emails and private messages most of you
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    have between $500 and $1,000 and you're
  • 00:01:16
    under the age of 18 so let's address
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    those two things separately first being
  • 00:01:19
    under 18 you have to get your parents on
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    board to help you sign up for an account
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    online you can't do it alone it has to
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    be a joint account it's not that big a
  • 00:01:27
    deal but you have to do it when you do
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    go sign up for an account we suggest
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    vanguard.com and the reason is they have
  • 00:01:33
    lowest fees and they're not shareholder
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    owned there's a bunch of reasons for it
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    and we actually have a video coming up
  • 00:01:38
    in the fall about why we choose Vanguard
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    but this is what we would do so you're
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    going to need at least $1,000 to set up
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    an account at Vanguard so if you don't
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    have that much yet just put it in a
  • 00:01:47
    savings account and keep adding to it
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    and keep adding to it once you're at
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    vanguard.com it's going to ask you if
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    you want a general savings or a
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    retirement account we would pick
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    retirement and next it's going to ask
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    you if you want to set up a Roth it Ira
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    or a traditional IRA and we would pick a
  • 00:02:02
    Roth IRA because you're in your teens
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    you are probably paying very little in
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    taxes so if you're a little bit older
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    and you have a full-time job this would
  • 00:02:10
    not be the case because you would want
  • 00:02:12
    to use the tax deduction but this is
  • 00:02:14
    advice for teens okay you've got your
  • 00:02:16
    account set up you've picked Ro ra all
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    your details are verified everything's
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    ready to go you need to pick a fund and
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    the fund is just the collection of
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    stocks that you're actually investing in
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    and for us I think the best one for a
  • 00:02:28
    teenager is is the target retirement
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    date 2016 of course this is very highly
  • 00:02:34
    debated and a very personal choice but
  • 00:02:37
    this is what we would do if we were in
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    our teens and it's going to be what we
  • 00:02:39
    teach our kids that's it that is the
  • 00:02:42
    easiest and cheapest way that we know
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    how to invest and in our opinions it's
  • 00:02:47
    the best way vanguard.com Roth IRA
  • 00:02:50
    Target retirement date fund 20160 1 2 3
  • 00:02:54
    once you get a little older and you have
  • 00:02:55
    a little bit more money you can choose
  • 00:02:56
    different Vanguard funds we happen to be
  • 00:02:59
    in the total stock market index fund but
  • 00:03:01
    if you don't ever want to worry about
  • 00:03:02
    that you don't have to it's also a good
  • 00:03:04
    idea not to invest every single penny
  • 00:03:06
    that you have you're going to want to
  • 00:03:08
    keep some money set aside in a bank
  • 00:03:10
    account just for the unexpected
  • 00:03:12
    emergencies if your car needs to get
  • 00:03:14
    fixed or if you need to replace your
  • 00:03:15
    phone you don't want to take money out
  • 00:03:17
    of your Vanguard account pretend you
  • 00:03:19
    gave your future self that money to hold
  • 00:03:20
    on to and you can't get it back unless
  • 00:03:22
    you have a time machine but how lame
  • 00:03:24
    would it be to go to the Future just to
  • 00:03:26
    ask yourself for money that you already
  • 00:03:28
    gave yourself I don't know doesn't even
  • 00:03:30
    make any sense leave the money in
  • 00:03:31
    Vanguard see you next week guys bye
  • 00:03:38
    bye
Etiquetas
  • investering
  • teenagere
  • Vanguard
  • Roth IRA
  • pensionsfond
  • økonomisk ansvarlighed
  • nødfond
  • aktier
  • finansiel planlægning
  • ungdomsøkonomi