For your chance to win the Tesla Model S and support a great cause, enter at https://www.omaze.com/graham – Enjoy! And now – lets talk about the current stock market, and why Millennials may see lower returns in the future – Add me on Instagram: GPStephan
GET YOUR FREE STOCK WORTH UP TO $50 ON PUBLIC & SEE MY STOCK TRADES: http://www.public.com/graham
JOIN THE WEEKLY MENTORSHIP – https://the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/
THE NEW PODCAST: https://www.youtube.com/channel/UCMSYZVlQmyG8_2MkIKzg0kw
The YouTube Creator Academy:
Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: https://bit.ly/2STxofv $100 OFF WITH CODE 100OFF
WHERE THIS STARTS:
According to Credit Suisse, and several other analysts…”Young people stand to make dismal returns on their investments.”
Unlike other generations, which have benefited from a relatively uninterrupted economy…Gen Z is forecasted to take on a market with higher unemployment, lower earnings, and higher taxes to pay off debts..and because of that, their returns will be lower than they were previously.
To put that into perspective, a 2% difference in returns over an extended period would mean that 30-year-olds today would have to work SEVEN YEARS LONGER, OR DOUBLE their savings in order to live as well in retirement…and that needs to be considered in how you invest moving forward.
Their advice was to consider saving more money, invest more money, consider alternative assets that might have a higher return, watch out for high fees, and to seriously explore the idea of how a lower return would impact your goals.
That’s the biggest problem with ANY “market prediction” article out there, like the ones we’ve just seen…they all take into account the current landscape of our economy, and what we ALREADY know is going to happen…and that’s the best that they can do. Even though, on the surface, it makes SENSE that we won’t see these types of returns indefinitely – it does bring the awareness that, at the end of the day, NO ONE knows what’s going to happen…that’s why, I’ve taken this approach that hopefully encompasses a little bit of EVERYTHING so that, no matter what happens – you wind up making money.
ONE: Don’t hold 30% bonds
That’s because, the main purpose of investing in bonds is for stability…even though BONDS don’t get crazy huge gains, they don’t see large drops, either…and when the market is in a free fall…bonds can keep you from losing too much money. But, someone who’s just starting out today doesn’t need that type of safety net – given that, they might fine investing 100% in the stock market without any worries about “needing the money” before the market has enough time to recover.
That way – IF the market winds up going down, you don’t have ALL of your eggs in one basket.
THIRD: PLAN FOR LOWER RETURNS
I think it’s EASY to get spoiled in a market like this, where earning 5-10% in a month seems REASONABLE…but, when you look at the markets historically…that’s not NORMAL, and that isn’t going to happen forever. LONG TERM, we’ll likely return back to our averages of 5-8% per year after taxes and inflation…and that’s something that you should plan for, NOW.
FOURTH: SAVE MORE MONEY
Best case scenario, you invest more money than you need and have EVEN MORE profit while the markets go up in value…worst case is that your investments DO EARN less money as warned, and then you’ll be happy you saved more.
FIFTH: TAKE EVERY PREDICTION WITH A GRAIN OF SALT
At the end of the day, there are SO MANY variables that could change the entire landscape of the economy within a moments notice…and even though every investment analyst is doing their best with the information they have available…there’s still going to be a missing piece that we don’t know until after the fact.
So, my best advice is this: planning for a lower return is NOT going to be a bad choice…but, don’t take it literally, and still do your best to invest as you would normally.
My ENTIRE Camera and Recording Equipment:
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com
*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. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures/
The Secret to Today’s Success – Digital Media
To continue to be aggressive in today digitally smart world, you need to make and keep up a strong online visibility. This calls for a great offer much more than thrusting a website and profiles through web-based networking media stages given that competition in the on the internet globe is wild. Every one of your competitors has actually added web marketing to their showcasing methodology-a significant section of whom swing to an advanced advertising organisation for aid. On the off chance that you have actually ever considered what precisely an online advertising organisation does, you have actually gone to the correct location.Digital Marketing in 2017 – Your Next Big Career Jackpot
So suppose you couldn’t end up as a programmer or software designer in a blue chip company. Imaginative people are more popular these days. Let’s find out how pursuing a profession in digital advertising can be a smarter option.Google Penalty Recovery – How Local SEO Services Work To Provide You Cost-Effective Benefits
Several internet sites were discontinued for breaching Google’s webmaster guidelines which is worthless and also disguise. Though none of these bans are long-term, the majority of business companies do not have enough knowledge on what to do and exactly how to do, in order to reclaim their company internet sites into the previous working conditions. This makes the recovery treatments, prolonged as well as difficult. Yet don’t fret as well as no demand to get panicky, as here we are going to talk about some properly functioning methods that would adequately aid in restoring your company site.Make Money By Selling Skype Slots
First, there is a stipulation – you should be really great at something that others wish to know around. For example, if you’re truly great at addressing a certain problem or getting to a certain goal, then this could be best for you.Everything You Need To Know About Content Writing And Marketing
Web content is just one of the most essential points when it concerns your on the internet presence and also attracting your target audience. When used skillfully, top quality content composing and also effective marketing can bring a variety of advantages to your company and assistance promote your brand. Find out more about the relevance of good content as well as how it can be efficiently made use of.