Latest / The Table with Anthony ONeal / Investing Expert: The Only 4 Index Funds You Need in 2026 (Buy These ASAP)

Transcript

Investing Expert: The Only 4 Index Funds You Need in 2026 (Buy These ASAP) · The Table with Anthony ONeal

• 0:00
  [SPEAKER_01]: Yo fam, it's 26 man and I wanted to bring my brother back because one of the things that we've learned and he not talked about this is the importance of knowing what has worked and what's working.
• 0:15
  [SPEAKER_01]: So today's show I really want you to get a pen, get a paper and write down every single
• 0:20
  [SPEAKER_01]: index funds stock that Courtney mentions and I need you all to open up an account two day, a brokerage account and go invest because one of the biggest things that I'm seeing is that people payers for the lack of knowledge that's number one and in two people don't get they don't move forward because they don't act you hear the information but you don't act all right and so man Courtney's back in the building
• 0:47
  [SPEAKER_01]: I really want to get into it.
• 0:50
  [SPEAKER_01]: Let me talk to this first again for the new people and just really for all of everyone.
• 0:55
  [SPEAKER_01]: What exactly is index fund?
• 0:57
  [SPEAKER_01]: Because you're here at index fund, you're here at mutual fund, you're here at ETF, you're here, you know, a single stock.
• 1:03
  [SPEAKER_01]: I think it's very important very quickly if we could just break down what is the index fund, what is the ETF, what is a mutual fund?
• 1:12
  [SPEAKER_02]: Yeah.
• 1:13
  [SPEAKER_02]: So, uh, a mutual fund, instead of investing in an individual company, which is a stock, mutual fund is a basket of stocks.
• 1:21
  [SPEAKER_02]: Really, really good because it gives you diversification, if something happens to a few companies, all of your money isn't at risk.
• 1:29
  [SPEAKER_02]: Yes.
• 1:29
  [SPEAKER_02]: All right.
• 1:29
  [SPEAKER_02]: That's the benefits of mutual fund.
• 1:31
  [SPEAKER_02]: Okay.
• 1:31
  [SPEAKER_02]: Now, inside of a mutual fund, you have different types of funds you can have.
• 1:35
  [SPEAKER_02]: Right.
• 1:35
  [SPEAKER_02]: You have an index fund.
• 1:37
  [SPEAKER_02]: or you can have an ETF.
• 1:39
  [SPEAKER_02]: Here's the thing, there's ETF's and index funds are very similar.
• 1:45
  [SPEAKER_02]: And people make some up all the time.
• 1:46
  [SPEAKER_02]: So I like to, this is how I like to break it down.
• 1:50
  [SPEAKER_02]: So an index fund tells you what you're investing in.
• 1:55
  [SPEAKER_02]: and ETF tells you how you buy it, okay?
• 1:59
  [SPEAKER_02]: So you can have an ETF that is an index fund, okay?
• 2:03
  [SPEAKER_02]: Here's another example.
• 2:04
  [SPEAKER_02]: That's good.
• 2:05
  [SPEAKER_02]: Uh, an index fund is your playlist.
• 2:08
  [SPEAKER_02]: Yes.
• 2:08
  [SPEAKER_02]: So on your playlist, you may have some Drake.
• 2:11
  [SPEAKER_02]: You may have some Bryson Tiller.
• 2:13
  [SPEAKER_02]: You may have some Sizzle.
• 2:15
  [SPEAKER_02]: That's your playlist, okay?
• 2:17
  [SPEAKER_02]: But what you listen to it on is Apple music or Spotify and that should eat to you.
• 2:23
  [SPEAKER_02]: Bro, that was brilliant.
• 2:25
  [SPEAKER_01]: That's why he's the investment expert.
• 2:28
  [SPEAKER_01]: That's why y'all got to go to his YouTube channel, subscribe, and really just get this information.
• 2:34
  [SPEAKER_01]: Because how he just broke that down, I don't know if I could even don't even that.
• 2:39
  [SPEAKER_01]: This is his lane.
• 2:40
  [SPEAKER_01]: All right.
• 2:40
  [SPEAKER_01]: And so when we talk about index funds ETFs,
• 2:46
  [SPEAKER_02]: which one are you really pushing people more to which we now do we understand it if people say y'all want to get a ETF or index fund and they never started which one would you say get first the ETFs because and most of the ETFs that we're going to talk about they're also index funds okay okay so mostly ETFs and the reason for that is ETFs trade like stocks okay you can buy them anytime anytime a day you can buy fractional shares there's no additional rules
• 3:14
  [SPEAKER_02]: Some of the more traditional index funds don't trade like that.
• 3:19
  [SPEAKER_02]: You basically can only buy them once a day.
• 3:21
  [SPEAKER_02]: So you put an order in.
• 3:22
  [SPEAKER_02]: It doesn't get filled until the clothes of the day.
• 3:26
  [SPEAKER_02]: Some of the older ones, they still have minimums.
• 3:28
  [SPEAKER_02]: You can't buy fractional shares.
• 3:30
  [SPEAKER_02]: Yeah.
• 3:30
  [SPEAKER_02]: Most of the newer index ones you can.
• 3:32
  [SPEAKER_02]: But ETFs is what we're going to talk about today.
• 3:36
  [SPEAKER_01]: I love it.
• 3:36
  [SPEAKER_01]: And for we get those ETFs, you said something that I've never done a lesson on.
• 3:40
  [SPEAKER_01]: And I need to do a lesson on it.
• 3:44
  [SPEAKER_01]: What exactly would you say in your language is a fractional share?
• 3:48
  [SPEAKER_01]: Because I think a lot of people miss out on investing because they can't buy a full, you know shared.
• 3:54
  [SPEAKER_01]: A more full stop, but you can get a fractional share.
• 3:57
  [SPEAKER_01]: A fractional start.
• 3:58
  [SPEAKER_01]: He breaks that down for us exactly what does that mean.
• 4:00
  [SPEAKER_02]: Yeah, you're buying a piece of a stop.
• 4:02
  [SPEAKER_02]: And because of fractional shares, there's no such thing as affordability in the stock market.
• 4:08
  [SPEAKER_02]: Don't be looking at, it's not like, you know, you buying a car and you look for the cheapest car.
• 4:13
  [SPEAKER_02]: Yes, you don't have to do that with investing, regardless of what the price is, you can buy a piece of it and your piece is going to move at the same rate as the full stock.
• 4:20
  [SPEAKER_01]: I love it.
• 4:21
  [SPEAKER_01]: I love it.
• 4:21
  [SPEAKER_01]: All right, man, let's get into it.
• 4:23
  [SPEAKER_01]: I think some people came today, so they can get to ETF by even a fractional share.
• 4:28
  [SPEAKER_01]: I need y'all to really dial in, write these things down, get the notes, open up a broker account, and go buy these, and in two, I need y'all to subscribe to his podcast channel.
• 4:39
  [SPEAKER_01]: And I think you're doing a lesson Thursday, right?
• 4:42
  [SPEAKER_02]: Yep, Thursday.
• 4:43
  [SPEAKER_02]: We're doing our free beginners invest in class.
• 4:45
  [SPEAKER_02]: So anybody is looking for a strong foundation.
• 4:47
  [SPEAKER_02]: You want to learn a little bit more without the risk, just pop in.
• 4:51
  [SPEAKER_01]: Hey, everyone to link all of his information inside of the show knows and his investment course.
• 4:56
  [SPEAKER_01]: All right, what's the fraction.
• 4:58
  [SPEAKER_01]: What's the ETF number one, man?
• 4:59
  [SPEAKER_02]: So let's talk about it here, and look, I'm gonna do three.
• 5:01
  [SPEAKER_02]: And I'm gonna tell you I'm gonna do three, all right?
• 5:03
  [SPEAKER_02]: When you start talking about five due to the rule funds, like you start possibly into some overlap, you start getting into some very industry-specific things, because you don't need that, man.
• 5:13
  [SPEAKER_00]: Yeah.
• 5:14
  [SPEAKER_02]: All right, so I wanna keep people focused on what's core, and then if you wanna add some other things onto that based on industry or some other things, you can do that.
• 5:23
  [SPEAKER_02]: But I wanna talk about the core of your portfolio.
• 5:25
  [SPEAKER_02]: So what we're gonna talk about is the core.
• 5:27
  [SPEAKER_02]: So I'm gonna do three, all right, Ben.
• 5:29
  [SPEAKER_02]: Alright, so number one, yeah, I mean, this could be a whole show right here.
• 5:35
  [SPEAKER_02]: I'm gonna keep it short, alright, so everybody likes to start out with the S&P 500, but here's what people would all know.
• 5:42
  [SPEAKER_02]: You can invest in different variations of the S&P 500.
• 5:47
  [SPEAKER_02]: Most people start off with the O-O.
• 5:50
  [SPEAKER_02]: Boop, here people talk about Voo all the time.
• 5:52
  [SPEAKER_02]: Well, the one that I like more than Voo than the variation on the S&P 500 is ticker SPMO, SPMO.
• 6:02
  [SPEAKER_02]: So let me tell you what this is.
• 6:04
  [SPEAKER_02]: So this is a variation.
• 6:07
  [SPEAKER_02]: of the S&P 500, where how they select the companies is based on momentum, okay?
• 6:15
  [SPEAKER_02]: So you're not invested in everything, it's 500 companies, right?
• 6:18
  [SPEAKER_02]: In the S&P 500, all of them aren't doing well and all of them don't have the juice, yeah.
• 6:22
  [SPEAKER_02]: So what they do with S&P and money, they say, okay, well, who has the juice?
• 6:26
  [SPEAKER_02]: Give us the top 100 companies that have juice for the last six months and every six months, they rotate them out.
• 6:35
  [SPEAKER_02]: Check this out, family.
• 6:36
  [SPEAKER_01]: Did you know that nearly 4 and 10 Americans still have zero money invested in the stock market?
• 6:42
  [SPEAKER_01]: That's a gap where wealth is built or missed.
• 6:46
  [SPEAKER_01]: If you're just saving, you're falling behind because the market's average close to about a 10% a year for a century while your savings account is barely keeping up with inflation.
• 6:57
  [SPEAKER_01]: I want to make this point.
• 6:58
  [SPEAKER_01]: If you wait just five years to start investing, you could lose out on hundreds of thousands of dollars in future wealth.
• 7:05
  [SPEAKER_01]: That's not hype.
• 7:06
  [SPEAKER_01]: That's real math.
• 7:07
  [SPEAKER_01]: The wealthiest 10% of Americans now own over 90% of all sucks because they started and they stayed consistent.
• 7:15
  [SPEAKER_01]: But here's the thing, you don't need to be rich to honestly get inside of the investing game.
• 7:20
  [SPEAKER_01]: With platforms like so-fi and best public and mumu, you can open an account today.
• 7:25
  [SPEAKER_01]: Start with as little as a dollar, literally, and buy fractional shares of the same assets that have built generational wealth for millions.
• 7:33
  [SPEAKER_01]: No commissions, 100% no excuses on your hit.
• 7:36
  [SPEAKER_01]: Listen, I need you to hear me clearly.
• 7:38
  [SPEAKER_01]: Stop sitting on a sidelines.
• 7:40
  [SPEAKER_01]: Go to anthonyo.com for Session Ves right now to compare the top investing platforms and open your first investing account today.
• 7:48
  [SPEAKER_01]: Your future self and your children's children will thank you for taking action right now.
• 7:54
  [SPEAKER_01]: We have to start building wealth, not just watching others get rich.
• 7:59
  [SPEAKER_01]: Do not let another year go by.
• 8:01
  [SPEAKER_01]: As a matter of fact, don't let another day go by.
• 8:04
  [SPEAKER_01]: Take the first step, family.
• 8:05
  [SPEAKER_01]: Visit anthonyonil.com for Sasha Invest.
• 8:08
  [SPEAKER_01]: Let's get to work.
• 8:09
  [SPEAKER_01]: Let's start investing ASAP.
• 8:12
  [SPEAKER_01]: Let's get back to the show.
• 8:13
  [SPEAKER_02]: So this is the crazy thing about SPMO.
• 8:15
  [SPEAKER_02]: Come on, man.
• 8:16
  [SPEAKER_02]: All right.
• 8:17
  [SPEAKER_02]: The crazy thing about it is 10 years ago, this is because this fund is about right at 10 years.
• 8:22
  [SPEAKER_02]: If you would have invested $10,000, it would be worth
• 8:29
  [SPEAKER_02]: Whereas Voo would only be $40,000.
• 8:32
  [SPEAKER_02]: Right, right, right, right.
• 8:34
  [SPEAKER_02]: And here's the most impressive thing about it for me.
• 8:38
  [SPEAKER_02]: It is not so much that it outperform Voo, it's also what it did in a down year.
• 8:44
  [SPEAKER_02]: Yeah.
• 8:44
  [SPEAKER_02]: So the last down year that we had was 2022, right?
• 8:48
  [SPEAKER_02]: Voo was down about 20%.
• 8:51
  [SPEAKER_02]: Okay.
• 8:52
  [SPEAKER_02]: SPMO was only down 10.
• 8:55
  [SPEAKER_02]: And it's because of the way that it's managed.
• 8:58
  [SPEAKER_02]: So I used to always give this comparison of like V-O-O being like a ribeye.
• 9:06
  [SPEAKER_02]: All right, it's like a ribeye being the other one that I really like was V-O-O-G.
• 9:11
  [SPEAKER_02]: So V-O-O-G basically trimmed the fact.
• 9:13
  [SPEAKER_02]: And gave you the top performing companies.
• 9:16
  [SPEAKER_02]: Yes.
• 9:17
  [SPEAKER_02]: of V-O-O, but see, S-P-M-O comes in, it's like, we're doing this even better, right?
• 9:23
  [SPEAKER_02]: We give you a better, great, a fun.
• 9:26
  [SPEAKER_02]: So S-P-M-O is like, your W-A-Go, yes, sir.
• 9:28
  [SPEAKER_02]: You know what I'm saying?
• 9:29
  [SPEAKER_02]: This is your W-A-Go, and so they change it out.
• 9:32
  [SPEAKER_02]: They change the company's every six months, based on all men, it's about a hundred companies in it, any given time.
• 9:36
  [SPEAKER_01]: Now, I forgot, how much is it now to buy in, do you know?
• 9:40
  [SPEAKER_02]: Um...
• 9:41
  [SPEAKER_02]: Who is around like $600?
• 9:43
  [SPEAKER_01]: Yeah, uh, $650 and SPMO is at, let's look at it.
• 9:50
  [SPEAKER_01]: Let's look at it.
• 9:50
  [SPEAKER_01]: Let's look at it.
• 9:52
  [SPEAKER_01]: Um, you know, uh, I'm not SPMO, but I forgot how much my financial deposit, um, have me invest into this.
• 10:02
  [SPEAKER_01]: See, it is $117.
• 10:10
  [SPEAKER_01]: Because 10 years ago, it wasn't at 117.
• 10:12
  [SPEAKER_01]: Yeah.
• 10:12
  [SPEAKER_01]: No.
• 10:15
  [SPEAKER_01]: No.
• 10:18
  [SPEAKER_01]: Okay, all right.
• 10:19
  [SPEAKER_01]: You know, here we go.
• 10:20
  [SPEAKER_01]: Let me ask you just question.
• 10:23
  [SPEAKER_01]: I think there are some people in a way, the way we wait.
• 10:24
  [SPEAKER_01]: So they're saying that they're trading out the companies.
• 10:26
  [SPEAKER_01]: So we have a hundred companies today.
• 10:29
  [SPEAKER_01]: They'll let's just say three years.
• 10:30
  [SPEAKER_01]: 10 years down the road, they trade them out to another set of companies during that transition.
• 10:40
  [SPEAKER_02]: Um, you may say you're going to see some movement in in in general in any given to any given time.
• 10:46
  [SPEAKER_02]: Yes, but you're going to always have the hundred best companies and how they're moving.
• 10:51
  [SPEAKER_02]: Yes, at any point in time.
• 10:53
  [SPEAKER_02]: And that's the beauty of it.
• 10:54
  [SPEAKER_01]: And I love because it's all about momentum.
• 10:56
  [SPEAKER_01]: So you're getting the companies that are just scaling and just doing very well and building up traction.
• 11:01
  [SPEAKER_01]: And then when those companies fall off, we're going to bring a brand new set of 100 companies that are scaling and building traction and moving.
• 11:07
  [SPEAKER_01]: And so I love that.
• 11:08
  [SPEAKER_01]: Now let me ask you this question, too.
• 11:10
  [SPEAKER_01]: I've been thinking about this personally.
• 11:12
  [SPEAKER_01]: So when I see the companies go out, I tend to follow those and maybe continue to follow their success and then even by single stocks.
• 11:19
  [SPEAKER_01]: See you sometimes, suggest that.
• 11:20
  [SPEAKER_02]: Oh yeah, yeah, because, especially if it's a really, really good company, you know, sometimes you guys have things going on.
• 11:26
  [SPEAKER_02]: We're seeing it with a couple of names we've talking about on the show.
• 11:29
  [SPEAKER_02]: They're still a really good company side.
• 11:31
  [SPEAKER_02]: They're just not, the stock price isn't moving as much.
• 11:35
  [SPEAKER_02]: So that could be a reason to look at a company try to buy a do.
• 11:39
  [SPEAKER_02]: Love it.
• 11:40
  [SPEAKER_02]: All right, number two, bro, we got number one, SPMO.
• 11:44
  [SPEAKER_02]: There, number two, SMH.
• 11:47
  [SPEAKER_02]: SMH.
• 11:47
  [SPEAKER_02]: Yes, sir.
• 11:48
  [SPEAKER_02]: And we talked about this.
• 11:49
  [SPEAKER_02]: We've talked about SMH.
• 11:50
  [SPEAKER_02]: Yes, sir.
• 11:51
  [SPEAKER_02]: So SMH is the semiconductor ETF.
• 11:53
  [SPEAKER_02]: Yes, sir.
• 11:54
  [SPEAKER_02]: It is the 40 most important companies to tech.
• 11:59
  [SPEAKER_02]: For the next decade, it may be the most important ETF that exists.
• 12:06
  [SPEAKER_02]: It is powering the future, it includes the majority of the chip companies that are responsible for artificial intelligence, but not just artificial intelligence if you think electric vehicles, if you think missiles, if you think satellites, technology, cell phones, mobile devices, the companies that make that stuff work are in SMH.
• 12:28
  [SPEAKER_01]: bar bought that last year, but I just tell you right now, I'm enjoying the returns, right?
• 12:33
  [SPEAKER_02]: It's up over a hundred percent in the last year.
• 12:37
  [SPEAKER_02]: Oh my gosh, I like that.
• 12:39
  [SPEAKER_01]: I wake up at home, see what estimation is doing today.
• 12:42
  [SPEAKER_01]: Oh, Jesus.
• 12:43
  [SPEAKER_02]: Yeah, yeah, it's wild.
• 12:45
  [SPEAKER_02]: And here's the crazy thing, man.
• 12:48
  [SPEAKER_02]: This sounds really unbelievable, right?
• 12:52
  [SPEAKER_02]: But it shows you the growth of this sector.
• 12:54
  [SPEAKER_02]: 10 years ago, if you would have invested in SMH.
• 12:58
  [SPEAKER_02]: I'm not joking.
• 12:59
  [SPEAKER_02]: I looked at it and go back and look at the numbers.
• 13:01
  [SPEAKER_02]: 10 years ago, if you would have put $10,000 in the SMH, it would be worth $1.4 million.
• 13:06
  [SPEAKER_02]: It's not 10 years ago.
• 13:08
  [SPEAKER_02]: 10 years ago, it would be worth $1.4 million.
• 13:10
  [SPEAKER_01]: 10 bands will be worth $1.4 million.
• 13:15
  [SPEAKER_02]: I mean, you literally would have had to have had a crystal ball and yeah, I think like names like Nvidia for instance, you know Nvidia has really become a household name like in the last two you know maybe three years if you've really been following like financial podcasts and stuff like that.
• 13:32
  [SPEAKER_02]: You start talking about 10 years ago.
• 13:34
  [SPEAKER_02]: What was in video, right?
• 13:37
  [SPEAKER_02]: And so if you look at how fast those companies have grown, it starts to make sense.
• 13:43
  [SPEAKER_02]: I mean, Nvidia is just one.
• 13:45
  [SPEAKER_02]: There's some other names in there that some of those companies hadn't even been found in it, facts.
• 13:50
  [SPEAKER_02]: But is it going to continue that level of growth?
• 13:53
  [SPEAKER_02]: No, and anytime you're investing, you never want to look at what has happened in the past and think that that's going to happen again in the future?
• 13:59
  [SPEAKER_02]: Right.
• 13:59
  [SPEAKER_02]: What you do is you look at,
• 14:02
  [SPEAKER_02]: is this industry makes sense do we still need it yeah and we're not becoming less reliant on technology we're becoming more more yeah yeah more and and innovation has happened in faster but yeah try this out family
• 14:19
  [SPEAKER_01]: Did you know that nearly 4 in 10 Americans still have zero money invested in the stock market?
• 14:26
  [SPEAKER_01]: That's a gap where wealth is built on missed.
• 14:29
  [SPEAKER_01]: If you're just saving, you're falling behind because the market's average close to about a 10% a year for a century while your savings account is barely keeping up with inflation.
• 14:40
  [SPEAKER_01]: I want to make this point.
• 14:42
  [SPEAKER_01]: If you wait just five years to start investing, you could lose out on hundreds of thousands of dollars in future wealth.
• 14:48
  [SPEAKER_01]: That's not hype, that's real math.
• 14:50
  [SPEAKER_01]: The wealthiest 10% of Americans now own over 90% of all sucks because they started and they stayed consistent.
• 14:58
  [SPEAKER_01]: But here's the thing, you don't need to be rich to honestly get inside of the investing game.
• 15:03
  [SPEAKER_01]: With platforms like SoFi Invest, Public and Moomoo, you can open an account today, start with that little ass $1 literally, and buy fractional shares of the same assets that have built generational wealth for millions.
• 15:16
  [SPEAKER_01]: No commissions, 100% no excuses on your hit.
• 15:19
  [SPEAKER_01]: Listen, I need you to hear me clearly, stop sitting on a sidelines.
• 15:23
  [SPEAKER_01]: Go to amphonyonio.com for session best right now to compare the top investing platforms and opening your first investing account today.
• 15:31
  [SPEAKER_01]: Your future self and your children's children will thank you for taking action right now.
• 15:37
  [SPEAKER_01]: We have to start building wealth, not just watching others get rich.
• 15:42
  [SPEAKER_01]: do not let another year go by.
• 15:44
  [SPEAKER_01]: As a matter of fact, don't let another day go by.
• 15:47
  [SPEAKER_01]: Take the first step family.
• 15:48
  [SPEAKER_01]: Visit anthonylo.com for Sasha Invest.
• 15:51
  [SPEAKER_01]: Let's get to work.
• 15:52
  [SPEAKER_01]: Let's start investing ASAP.
• 15:55
  [SPEAKER_01]: Let's get back to the show.
• 15:56
  [SPEAKER_01]: I think this one is an important one.
• 15:59
  [SPEAKER_01]: All three of them, you mentioned today are super important, but I think this one's very important because I think specifically within our community, we miss out on something that's on the high trajectory because we're fearful to invest in this something that we don't know what's going to work.
• 16:12
  [SPEAKER_01]: But we see what AI is doing right now.
• 16:14
  [SPEAKER_01]: We see that we're getting electric cars.
• 16:16
  [SPEAKER_01]: And I was, uh, where was I?
• 16:18
  [SPEAKER_01]: I was in New York, man, and they had a car driving by itself.
• 16:23
  [SPEAKER_01]: That's a lot of technology.
• 16:25
  [SPEAKER_01]: Yeah.
• 16:25
  [SPEAKER_01]: I didn't get any.
• 16:26
  [SPEAKER_01]: But I'm sitting there thinking that's a lot of technology and just being around you and just my mindset and other people.
• 16:34
  [SPEAKER_01]: I'm like, I need to be investing more into what's powering this because that's going to be maybe not our future.
• 16:42
  [SPEAKER_01]: But it would definitely be our children's children future for children.
• 16:45
  [SPEAKER_02]: Here's the crazy thing.
• 16:46
  [SPEAKER_02]: Bro, it's our future.
• 16:51
  [SPEAKER_02]: you saw, you saw the self-driving car like you ride.
• 16:54
  [SPEAKER_02]: That's the way I hook it go.
• 16:55
  [SPEAKER_02]: You ride.
• 16:55
  [SPEAKER_02]: The car was driving itself.
• 16:57
  [SPEAKER_02]: It's self-prom.
• 16:59
  [SPEAKER_02]: Yeah, somebody, people, you know, if you live in an awesome, if you live in the bay area, they're getting like way more was popping.
• 17:04
  [SPEAKER_02]: Way more is commercialized.
• 17:06
  [SPEAKER_02]: You know, I see way more around this area.
• 17:10
  [SPEAKER_02]: I can't do it, bro, yeah.
• 17:11
  [SPEAKER_02]: I feel like if I get into the car with, you know, certain drivers, I'm taking the same change.
• 17:19
  [SPEAKER_00]: Now you're right, now you're right.
• 17:22
  [SPEAKER_00]: Well, I was in the Uber the other day.
• 17:23
  [SPEAKER_00]: I was like, bro, you all right?
• 17:25
  [SPEAKER_00]: You know what I'm saying?
• 17:26
  [SPEAKER_00]: You gotta check off straight.
• 17:27
  [SPEAKER_00]: Bro, the way he was driving and going through, I was like, bro, you gotta get a negative review.
• 17:32
  [SPEAKER_00]: Not like you need to calm down.
• 17:34
  [SPEAKER_01]: But no, I believe that we got to invest in SMH, man.
• 17:39
  [SPEAKER_01]: I put money into it every single month.
• 17:41
  [SPEAKER_01]: Um, and that's a part of my walk building strategy, you know, because I just think that I want to invest into what we're getting a glimpse of and what we're seeing now is like, wow, my mom was so funny, um, my mom was talking about when they grew up, they didn't have cell phones, right?
• 18:00
  [SPEAKER_01]: And then when she got into her 20s, they had to be old car phones.
• 18:04
  [SPEAKER_01]: You know, and then now is the okay cell phone has replaced home phones by no one's getting really a home phone anymore.
• 18:13
  [SPEAKER_01]: Cell phones have almost replaced computers, yes sir.
• 18:17
  [SPEAKER_02]: Yes, sir.
• 18:18
  [SPEAKER_02]: Like, it's, it's, it's wild, man.
• 18:20
  [SPEAKER_02]: Yeah.
• 18:20
  [SPEAKER_02]: And, you know, we had a conversation, maybe two episodes ago, about like, picks and shovels and investing in the picks and shovels.
• 18:28
  [SPEAKER_02]: Like, SMH is the, it's the picks and shovels, yes, sir.
• 18:32
  [SPEAKER_02]: Of the, the AI revolution, man, listen.
• 18:37
  [SPEAKER_02]: Or what does SMH have right now?
• 18:40
  [SPEAKER_02]: I mean, to see.
• 18:41
  [SPEAKER_02]: You don't say what I'd, let me tell you, let me tell you how I'm wired.
• 18:45
  [SPEAKER_02]: I looked him on portfolio this morning and I'm all I'm looking at his returns.
• 18:49
  [SPEAKER_02]: Yeah, yeah, I'll look at the price me too, bro.
• 18:52
  [SPEAKER_02]: I'll look at the games.
• 18:53
  [SPEAKER_02]: What do I gain this is three about 393 today?
• 18:57
  [SPEAKER_02]: Yeah.
• 18:58
  [SPEAKER_02]: But let me tell you why.
• 18:59
  [SPEAKER_02]: Let me tell you why, I don't look at the prices.
• 19:01
  [SPEAKER_02]: And I don't want anybody else to look at the prices because the price itself doesn't matter.
• 19:07
  [SPEAKER_02]: Again, remember, you can buy a fraction of shares, so affordability is no longer a thing, facts.
• 19:13
  [SPEAKER_02]: People could invest in certain stocks during a period of time because they couldn't afford them.
• 19:18
  [SPEAKER_02]: Yes, sir.
• 19:18
  [SPEAKER_02]: Affordability is a myth in the stock market now.
• 19:21
  [SPEAKER_02]: Yeah, no, I love it.
• 19:22
  [SPEAKER_02]: I love it.
• 19:22
  [SPEAKER_02]: All right.
• 19:23
  [SPEAKER_02]: We got one more bro.
• 19:24
  [SPEAKER_02]: Tell me.
• 19:24
  [SPEAKER_02]: What's the last one?
• 19:25
  [SPEAKER_02]: All right.
• 19:25
  [SPEAKER_02]: So I got a little bit of lead into this one.
• 19:27
  [SPEAKER_02]: Okay.
• 19:27
  [SPEAKER_02]: Okay.
• 19:28
  [SPEAKER_02]: Because there.
• 19:29
  [SPEAKER_02]: There are people watching this that are going to be like a wonder if he's going to say VTI.
• 19:34
  [SPEAKER_02]: What's some variation of VTI and for those who don't know, VTI is known as the total market.
• 19:41
  [SPEAKER_02]: Yes, um, mutual.
• 19:42
  [SPEAKER_02]: It includes every company that's just this is like 3800 companies traded on the major exchanges.
• 19:49
  [SPEAKER_02]: Yes.
• 19:50
  [SPEAKER_02]: And so VTI includes all of them.
• 19:52
  [SPEAKER_02]: If we're a long time, people use to talk about, hey, put your money in a VTI, you know, you invest in total stock market and VTI historically has done decent.
• 20:01
  [SPEAKER_01]: Yeah.
• 20:02
  [SPEAKER_02]: Yeah.
• 20:02
  [SPEAKER_02]: Okay.
• 20:02
  [SPEAKER_02]: Yeah.
• 20:03
  [SPEAKER_02]: But we're smarter now.
• 20:04
  [SPEAKER_02]: Yeah.
• 20:04
  [SPEAKER_02]: We know where our future is going.
• 20:06
  [SPEAKER_02]: Yeah.
• 20:11
  [SPEAKER_02]: participation trophy.
• 20:14
  [SPEAKER_02]: Okay.
• 20:14
  [SPEAKER_02]: If you show, well, you get it.
• 20:16
  [SPEAKER_02]: Right.
• 20:17
  [SPEAKER_02]: Right.
• 20:17
  [SPEAKER_02]: Right.
• 20:17
  [SPEAKER_02]: Right.
• 20:17
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• 20:18
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• 20:19
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• 20:21
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• 20:22
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• 20:24
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• 20:25
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• 20:26
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• 20:27
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• 20:31
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• 20:40
  [SPEAKER_02]: Right.
• 20:40
  [UNKNOWN]: Right.
• 20:41
  [SPEAKER_02]: is owning the biggest companies traded on the stock market, which leads me to our third ETF, which is T-O-P-T. T-O-P-T is top with a T on the end, and it is the largest 20 companies traded on the stock market.
• 21:02
  [SPEAKER_01]: And when you say larges or you talk them out, capital or you talk them out employees, and when you say large, what do you mean?
• 21:07
  [SPEAKER_01]: We're talking about market capitalization.
• 21:10
  [SPEAKER_02]: So the stock price, times the number of shares that are being traded on the stock market, love it, love it.
• 21:19
  [SPEAKER_02]: If a company falls out of the top 20, they come out of there and whoever's 20 moves in, and they rotate based on the size.
• 21:26
  [SPEAKER_02]: So think of it like TOPT, this is like your start and five.
• 21:31
  [SPEAKER_02]: Yes, sir.
• 21:32
  [SPEAKER_02]: Okay.
• 21:32
  [SPEAKER_02]: We won't care about who on the bench, the six men.
• 21:35
  [SPEAKER_02]: We don't care about who in the G league and may come up to the NBA, like not in a give me the best companies that you have.
• 21:42
  [SPEAKER_02]: Yes.
• 21:43
  [SPEAKER_02]: Another reason why I like TOPT is because
• 21:48
  [SPEAKER_02]: And we compare to like a QQQM, which is the NASDAQ, top 100 tech companies.
• 21:54
  [SPEAKER_02]: People will probably wonder if that was going to be one.
• 21:56
  [SPEAKER_02]: The thing about that is there is an over-infaces on tech and QQQM.
• 22:01
  [SPEAKER_02]: We know tech is moving and QQQM is a great ETF to own.
• 22:04
  [SPEAKER_02]: But see, we already have.
• 22:06
  [SPEAKER_02]: SMA, we already have SPMMO.
• 22:11
  [SPEAKER_02]: There's going to be a lot of overlap there.
• 22:13
  [SPEAKER_02]: The thing about TOPT is that now we get some exposure into some other industries outside of the team.
• 22:20
  [SPEAKER_02]: So you're going to get JP Morgan Chase.
• 22:22
  [SPEAKER_02]: Yes.
• 22:22
  [SPEAKER_02]: That's going to be in there.
• 22:23
  [SPEAKER_02]: You're going to get Eli Lilly.
• 22:25
  [SPEAKER_02]: That's going to be in there.
• 22:27
  [SPEAKER_02]: Right.
• 22:27
  [SPEAKER_02]: You're going to get some exposure into some other industries that's going to give you more diversification
• 22:34
  [SPEAKER_01]: this is this this is good information right here bro.
• 22:39
  [SPEAKER_01]: I got the first two.
• 22:40
  [SPEAKER_01]: I don't have TOPT.
• 22:42
  [SPEAKER_01]: I need to look in the T.O.P.T.
• 22:44
  [SPEAKER_01]: And it's no, that's another thing.
• 22:45
  [SPEAKER_02]: This one is no, okay.
• 22:46
  [SPEAKER_02]: So literally create it in 2025.
• 22:49
  [SPEAKER_01]: See yeah, okay, I was about to say, because I brought, yeah, no, no, not studying money, but I didn't, no, I don't have T.O.P.T.
• 22:56
  [SPEAKER_01]: This is a normal one.
• 22:57
  [SPEAKER_01]: So would you say out of the three, if someone says, all right, I got 500 today.
• 23:06
  [SPEAKER_01]: I'm gonna open up a broker's account, which one?
• 23:10
  [SPEAKER_01]: should they invest in first, SPMO, SPMO, if you could choose one, SPMO is what I'm going to want.
• 23:18
  [SPEAKER_01]: And then if you could choose two SPMOs, then SMH, then SMH, and then the last one, TLPT.
• 23:24
  [SPEAKER_02]: Yeah.
• 23:24
  [SPEAKER_02]: Also because TLPT, we don't, we don't have any history to look at there.
• 23:29
  [SPEAKER_02]: Yeah.
• 23:30
  [SPEAKER_02]: This is more so like ideology, it's like, okay, we know that it's the biggest company that's traded on the stock market that's creating the growth.
• 23:37
  [SPEAKER_02]: Okay, it's not, it's not, you know, people would talk what about the small caps in me?
• 23:41
  [SPEAKER_02]: Like I get there, you got some small caps in some me caps that are doing well.
• 23:45
  [SPEAKER_02]: There's something that we talk about that we like a lot.
• 23:48
  [SPEAKER_02]: But overall, it's the big boys that's moving the market.
• 23:51
  [SPEAKER_01]: Yeah, yeah, I'm, I'm with you on that one man.
• 23:54
  [SPEAKER_01]: I'm looking to T.O.P.T myself and see how I feel about that one.
• 24:00
  [SPEAKER_01]: I'm looking to that, but I definitely got the first two.
• 24:02
  [SPEAKER_01]: And I want to encourage you all, listen, 20, 26, y'all gotta get in on it.
• 24:08
  [SPEAKER_01]: y'all got to get in on it, man, I believe this could be the year that you all can change your financial future.
• 24:14
  [SPEAKER_01]: If you all don't just listen to the knowledge from Immuna last episode that I talk about that I talked about these five books, right?
• 24:23
  [SPEAKER_01]: And it's all about how we think, how we see money and the difference between middle class people.
• 24:30
  [SPEAKER_01]: and wealthy people, it's not necessarily income, it is information, it is knowledge.
• 24:36
  [SPEAKER_01]: And Courtney just dropped major knowledge that I believe all of us can benefit from.
• 24:43
  [SPEAKER_01]: Look, I never heard a TPO team, I say, no, top, TOPT, OPT.
• 24:48
  [SPEAKER_01]: And I literally, when I go home today, I'm literally calling my financial advisor and be like, yo, this type of conversation that I want to look into this.
• 24:55
  [SPEAKER_01]: Maybe not put a whole lot into it.
• 24:56
  [SPEAKER_01]: Just put a little bit into it since it's new.
• 24:59
  [SPEAKER_01]: But we're already maxing out on the other two.
• 25:02
  [SPEAKER_01]: But this is why I have them on the show at least once a month.
• 25:06
  [SPEAKER_01]: And this is why I need you all to subscribe to his YouTube channel.
• 25:11
  [SPEAKER_01]: because the man is dropping knowledge about investing.
• 25:16
  [SPEAKER_01]: He even saw a video, I haven't been talking about it.
• 25:18
  [SPEAKER_01]: I haven't saw a video where he was talking about.
• 25:20
  [SPEAKER_01]: You're talking about, like, how if you don't buy a house is not negative, because how you can still invest that money?
• 25:28
  [SPEAKER_01]: Absolutely.
• 25:29
  [SPEAKER_01]: And I was like, yo, that's good.
• 25:32
  [SPEAKER_01]: Because a lot of people think they miss out on being a home owner quote unquote.
• 25:37
  [SPEAKER_01]: But I'm like, well, you broke it down, I was like, well, if you're not a homeowner, are you least investing right?
• 25:41
  [SPEAKER_01]: And here's the best way to go about it.
• 25:43
  [SPEAKER_01]: Yeah, man.
• 25:44
  [SPEAKER_02]: We had a, um, we can't think that the advice.
• 25:49
  [SPEAKER_02]: that our grandparents use is still good for us.
• 25:52
  [SPEAKER_02]: Come on, bro.
• 25:53
  [SPEAKER_02]: You know, we gotta get to a place to where we have, we have to reevaluate things because you know what, the house that my grandparents bought, it was like $28,000 when they bought it.
• 26:04
  [SPEAKER_02]: You know what I'm saying?
• 26:05
  [SPEAKER_02]: You know, college for our parents, you know, cost the same amount as a hot water heater.
• 26:10
  [SPEAKER_02]: Yes, sir.
• 26:11
  [SPEAKER_02]: You know, we live in a different era, so we have to really look at the data, look at the numbers to evaluate what's going to make sense for our future and we don't just do something because you say people before you do it.
• 26:24
  [SPEAKER_02]: Question, question our norms and because of the price of things in this country, we have to evaluate what provides the best financial return.
• 26:34
  [SPEAKER_01]: Everything's all about system and strategy.
• 26:35
  [SPEAKER_01]: You got to look at it with the best system and strategy for yourself.
• 26:38
  [SPEAKER_01]: Absolutely.
• 26:39
  [SPEAKER_01]: And then once you identify that system and that strategy, all right, cool, great.
• 26:43
  [SPEAKER_01]: You got to stick to that system and strategy.
• 26:45
  [SPEAKER_01]: Don't worry about what Instagram is doing.
• 26:47
  [SPEAKER_01]: Don't worry about what you see on TikTok.
• 26:50
  [SPEAKER_01]: It's investment.
• 26:51
  [SPEAKER_01]: And I'm telling y'all, Corny said something today just shook my, I was like, what?
• 26:57
  [SPEAKER_01]: He meant to tell me, I would have put $10,000 in the SMH 10 years ago.
• 27:06
  [SPEAKER_01]: I can have one point four today.
• 27:08
  [SPEAKER_01]: Okay, cool, great.
• 27:10
  [SPEAKER_01]: Not saying that's the reason to give me one point four in the next 10 years.
• 27:14
  [SPEAKER_01]: But he's gonna give me something.
• 27:16
  [SPEAKER_01]: And I'm not gonna miss out on it moving forward.
• 27:19
  [SPEAKER_01]: And I don't want none of us to be like, well, what do people say?
• 27:24
  [SPEAKER_01]: Dang, I wish I had.
• 27:28
  [SPEAKER_01]: I want to be like, hey, I'm in there.
• 27:31
  [SPEAKER_01]: And so listen, I need y'all to get these stocks.
• 27:34
  [SPEAKER_01]: I need y'all to subscribe to Courtney's YouTube channel and I need y'all to get on his...
• 27:40
  [SPEAKER_01]: his masterclass on Thursday and really learn the basics.
• 27:45
  [SPEAKER_01]: Listen, don't be ashamed to be like, I don't know nothing because here's the truth.
• 27:49
  [SPEAKER_01]: 80% of American people don't have basic financial literacy knowledge, and it's because we are too embarrassed to be like, I need to learn.
• 28:00
  [SPEAKER_01]: And as I got a whole, he got a master's in money.
• 28:03
  [SPEAKER_01]: I got a master's in money.
• 28:04
  [SPEAKER_01]: I'm going for my doctorate in finance and investing, and I still learn from Courtney.
• 28:09
  [SPEAKER_01]: I'm still learning, right?
• 28:11
  [SPEAKER_01]: So, you will always be learning, but if you do not take the first step and just show up, consume the knowledge, put in the action, you'll never get past where you need to be at.
• 28:24
  [SPEAKER_01]: I'm curious, bro, what is one thing that you're working on this year within your portfolio personally for you and your family?
• 28:30
  [SPEAKER_01]: Like, what is one strategy or one thing you're really like?
• 28:32
  [SPEAKER_01]: Okay, I'm a dialing a little bit more over here for my personal situation.
• 28:38
  [SPEAKER_02]: And that's a good question, um, I think that I am going to be taking more risks.
• 28:48
  [SPEAKER_02]: this year.
• 28:51
  [SPEAKER_02]: So to connect something that you just said about 10 years ago, $10,000 in SMH, you know, it would be 1.4.
• 29:00
  [SPEAKER_02]: Now, I am really wanting to focus on like the next level of innovation that we're going into and I want to start putting more money there.
• 29:13
  [SPEAKER_02]: Wow.
• 29:14
  [SPEAKER_02]: that's like the big thing and so and what we have to do is, you know, you only have so much money, right?
• 29:21
  [SPEAKER_02]: So you got to prioritize, you know, what you want to make most important.
• 29:26
  [SPEAKER_02]: And so that's the thing for me is like focusing in on the technology, the innovation, the companies that I feel like can be that next thing.
• 29:37
  [SPEAKER_01]: I love that, and it's so funny now when I'm traveling, when I'm doing my own personal reading every morning, before I get to work, I'm always asking myself, okay, what company is funding this?
• 29:52
  [SPEAKER_01]: And then I'll do, I, I found myself one day, I spent the whole hour just searching companies that funds this, that does this, that does this.
• 30:00
  [SPEAKER_01]: Okay, so you're the company that I
• 30:06
  [SPEAKER_01]: because you are behind all of this and I love how you're saying it's like, how do we learn what's in the future?
• 30:13
  [SPEAKER_01]: Where are we going and how do I get in on that now?
• 30:16
  [SPEAKER_01]: So that way, hopefully, I can have an SMS kind of return 10 years from now.
• 30:21
  [SPEAKER_01]: That will yield then so into your daughter, so into your fiance's children down the road and it's like, for me, that's where I'm at, too, bro.
• 30:29
  [SPEAKER_01]: Now I appreciate you man.
• 30:30
  [SPEAKER_01]: Yeah, yeah, for so bro.
• 30:32
  [SPEAKER_01]: We've been rocking together now six months providing I mean just some solid information and that's one thing that I really and focusing on this year is making sure that
• 30:44
  [SPEAKER_01]: our people get solid information and I say this all the time and this is you know Courtney won't flex but it's not really about flex it's that you have two people who have degrees in money he had his degree before me right and I think that's important and one thing the reason why I asked Courtney where do you work and on
• 31:06
  [SPEAKER_01]: because he's practicing what he's educated in and what he's preaching.
• 31:09
  [SPEAKER_01]: And there's a lot of people who just get on you to regurgitate us up, but they're not even investing.
• 31:15
  [SPEAKER_01]: They're not even practicing what they're preaching.
• 31:17
  [SPEAKER_01]: And yet alone, they don't really have the credentials behind their name to properly assess the situation, right?
• 31:23
  [SPEAKER_01]: And so thank y'all for watching as much as possible.
• 31:27
  [SPEAKER_01]: Share this with someone in the sense of your mom, sense of your boyfriend, sense of your girlfriend, sense of your children.
• 31:36
  [SPEAKER_01]: Get a fractional share.
• 31:38
  [SPEAKER_01]: Like Courtney said, affordability is no longer in a conversation.
• 31:43
  [SPEAKER_01]: You've got to take action and you do that.
• 31:46
  [SPEAKER_01]: Get that progress count today and open it up.
• 31:51
  [SPEAKER_01]: We will leave it up to y'all.
• 31:52
  [SPEAKER_01]: Courtney comes in once a month.
• 31:54
  [SPEAKER_01]: What is one thing you want us to talk about?
• 31:55
  [SPEAKER_01]: Put it inside the chat and whatever's common, I'll get our team to go through the comments and we will do this because we want to make sure that we're giving you all of value and make sure that we're answering the questions that you all want to answer.
• 32:08
  [SPEAKER_01]: Because this is a partnership and I want to help get caught into 100,000 subscribers before the summer.
• 32:14
  [SPEAKER_01]: He's only getting married, hopefully in the summer, so I want to get him 100,000 people who love and support him in his fiance.
• 32:20
  [SPEAKER_01]: So, do me a favor.
• 32:21
  [SPEAKER_01]: He's tagged on his video, subscribe, and I said it five times.
• 32:24
  [SPEAKER_01]: Can't y'all tell, I'm a brother, I'm a sister-in-law, you know, I'm saying I subscribe.
• 32:28
  [SPEAKER_01]: Not because we want his views of it, because the man is giving value.
• 32:32
  [SPEAKER_01]: He's given value that changes your life, that could change your family's future.
• 32:36
  [SPEAKER_01]: Let's support the man.
• 32:37
  [SPEAKER_01]: Let's get him to 100,000 subsums.
• 32:39
  [SPEAKER_01]: All right y'all, we love y'all.
• 32:41
  [SPEAKER_01]: God bless you.
• 32:41
  [SPEAKER_01]: See you in the next show.