Part 8: Individual Stocks vs. Index Funds and ETFS to Build Wealth
Channel: Golden Financial Services
Date: 10/03/2023

Should you invest in an individual stock or index funds and ETFs? Hear the answer in this #Interview with #Randy #Luebke, an Independent Fiduciary Financial Advisor, Author of a Best-Selling Financial Book (The Business Owner's Guide to Financial Freedom:  What Wall Street Isn't Telling You ), and a True Financial Guru. 

Watch PAST EPISODES: 
Part 7: Best Passive Real Estate Investment for 2023 #shorts
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Episode 6: How to Make Money When Stocks Fall – Explains Randy Luebke, Top Financial Advisor
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Part 2: Double Your Money Fast (2 Proven Methods)
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Is Now a Good Time to Invest in Stocks and Bonds? (Part 1)
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Mr. Luebke helps listeners pick between owning individual stocks vs. index funds and ETFs. Then, learn how to diversify your portfolio with stocks and bonds in 2023. And understand the risks that everyone needs to know. 

Individual stocks vs. ETFs and Index Funds

Randy Luebke says, "Start with an ETF Replicating the S&P 500."  If you're a beginner investor, this is an excellent step to take immediately. 

Individual Stocks Can Make More Money–
If you can pick a winner and learn to control Your Emotions.


Consider Facebook or Crypto; Both have been struck, but they're the same company as they were a year ago.

Stocks Go Up and Down. However, if the company keeps growing its earnings and equity value over the long term, the stock price will continue trending up.

Become a better investor by studying the history of the stock market. Understand that stocks go up and down, and market sentiment turns favorable to negative. If you can ride out these emotional rollercoasters, you can continue to make money over the long term and build wealth. Or even better, continue investing through dollar-cost averaging, buying when prices are lowest, every week or even monthly. 

The key is – Automate a Dollar Cost Averaging Investment Plan Into a Diversified Portfolio of Stocks and Bonds.

What are good funds to invest in? 

With so many options, including –
-Emerging market bond fund
-Tax-exempt municipal bond funds
-Short-term treasury fund

What is a diversified portfolio for 2023 that an individual investor could consider dollar cost averaging in?

How many types of bond funds should someone have–As part of a Diversified Portfolio? 

The Risk of bonds:
As interest rates rise, the value of your bonds falls.

How to eliminate the Risk of holding bonds?
Hold Individual Bonds until maturity and get 100% of Your Principal + Interest. 

The Short-Term Treasury Bond ETF gives you – nearly 5% risk-free earnings and diversification all in one!

Individual Emerging Market Bond Risks:  
Company Risk, Default Risk, Interest Rate Risk, Currency Risk, 

This video should not be construed as financial advice or legal advice of any sort; it's for informational purposes only. Everyone's investment strategy should be personalized to their own situation, risk level and preferences and not based on the information you hear in a YouTube video. To speak with a financial advisor, you can visit Mr. Luebke's website at https://lifetimeparadigm.com/.

The book: The Business Owners Guide to Financial Freedom
https://www.amazon.com/Business-Owners-Guide-Financial-Freedom/dp/1599186160

For debt help, check out top debt relief companies at: https://TrustedCompanyReviews.com. 

#investing  in #Individual #stocks  vs. #index  #funds  and #etf #standardandpoors #financial #financialliteracy #financialplanning