@ch0col4t30: #moots? #fyp #feelinglonely

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Sunday 03 November 2024 02:49:13 GMT

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🫧𓇼𓏲*ੈ✩‧₊˚🎐 :

cewe semanja ini ditinggal mondok😞

2024-11-03 09:40:01

42

zeinn :

tpi skrg udh trbiasa

2024-11-03 13:10:38

58

⚊jèlynmaa Lyonereೀ ˚𖥔 :

mana kalo maen g bilang bilangg

2024-11-26 11:36:35

5

ciuteh^_^ :

sw in ah tau aja nanti nya peka

2024-11-03 14:17:37

0

komang :

gw sering nangis njir kalo di tinggal dia

2025-01-14 13:34:38

1

- :

@zeinn:tpi skrg udh trbiasa

2024-11-03 14:54:47

3

— liaaww★ :

@keyrazz:cewe semanja ini ditinggal mondok😞

2024-11-03 12:25:41

3

🧿 :

beruntung banget yaww cewe' lain di tag sama pacar nya

2024-11-03 12:19:33

3

jaraaaaaaa :

setiap hari nemenin fahri kalo ga eko fahri eko fahri eko fahri eko gtuuuuu trusss

2024-11-03 14:30:03

2

R. :

gabisa gabisaa gw di tinggal semenit aj ngerasa udh g di sayangg sm diaaa☹️☹️☹️☹️

2024-11-03 14:01:25

2

eight. :

kok aku ga ditag? ☹️☹️

2024-11-03 12:39:12

2

caalways :

@keyrazz:cewe semanja ini ditinggal mondok😞

2024-11-04 02:30:30

1

⋆˚➶ ໋チェレスタ˚➶⋆ :

seriussss anakk manjaa inii dibuattt feelinggg lonelyy?☹️

2024-11-03 14:27:50

1

ig : rianasfna4 :

pekaaa donggg☹️

2024-11-03 13:42:27

1

araa lov kusinh 😳 :

tiap gua chat selalu ga dibales jir, eh giliran tmn gua yg chat balesnya secepet kilat

2025-01-30 02:52:24

0

natts :

gapapa dia juga punya dunia sendiri ga harus semua aku

2025-01-10 09:30:23

0

𝕯𝖊𝖓𝖓𝖓𝖓🥷 :

ditinggal jugaaa enggaa

2025-01-04 05:30:12

0

iraa :

sampai nama aku kalau di pertemanan itu feeling lonely loo😹😹☹️☹️☹️

2024-12-07 10:49:37

0

k :

@zeinn:tpi skrg udh trbiasa

2024-11-18 09:28:07

0

lipicipi :

udh biasa 😓😓

2024-11-03 23:16:11

0

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Rapunzel

I have a $5M net worth at 33. If you’re trying to get rich in your 20s or 30s, then listen up, because in this series I’m sharing the biggest mistakes I see people make that lose them a lot of money. A lot of people will start investing because they think it’s the easiest way to get rich, and that’s true, but many are making these fatal mistakes - and they can keep you broke, even when you’re doing “everything else right”. Today we’re talking about why you’re wasting your money on mutual funds - even though that’s likely what your bank or advisor sold you as “the best option”. Even more insidious than recommending mutual funds is putting people into low or mid risk mutual funds when they are decades away from retirement. What most people don’t realize is that your bank is not selling you mutual funds because they’re the best investment, or because they’re inherently lower risk (even though they love to say they are, where a multitude of studies show otherwise), it’s because that’s where THEY, not you, make the most money. I’ll say that again: it’s because it’s where THEY make the most money. But where do they get this money from, because you don’t remember paying them? They take it right out as a percentage of your investments, and no - they don’t just get this money when you make a profit, they take it even when markets are down. Maybe you’re thinking, Nicole, it’s such a small fee, it’s only 2.5%, does it really matter in the grand scheme of things? Let’s take a look. Imagine you had a mutual fund and an index fund (something you could easily buy on your own with a couple of clicks) that both returned 10%, except the fee on the mutual fund was 2.5% and the fee on the index fund was 0.04%, and you invested $500 a month from the age of 35 until retirement. The mutual fund would have returned you $664,000, whereas the index fund would have given you an account with over $1,065,000. That’s a difference of $400,000. The mutual fund would provide you with $26,000 a year in income, whereas the index fund would provide you with over $40k annually. Both took the same amount of time to set up, both had the same amount of money invested, but one is exponentially better - because with the index fund, instead of paying out $400k in fees to someone who spends maybe an hour or two a year talking to you, you got to keep that money for yourself. I don’t know about you, but there’s a lot of things I’d rather do with $400k than pay it to the bank. What’s worse is that many bank advisors don’t take the time to educate their clients, so if they have someone who comes in and is nervous about investing, instead of showing them the proven strategies used to mitigate risk (like time and diversification), they just throw them in a low risk portfolio - not explaining that this is actually exponentially MORE risky than the “high risk” one, because now their portfolio won’t grow enough for them to be able to retire. If the low risk portfolio returns an average of 4% a year, but they’re paying 2.5% in fees, you’re only actually making 1.5% - you’d be better off sticking your money in a HYSA!! Let’s say you invested $500 a month into a low risk mutual fund returning an average of 4%, 2.5% in fees, from 35 until retirement, you’d have $226k with $46k being interest earned. This would give you $9k a year in income in retirement. Can you live off of $9k? You did all the right things, you invested, you saved, but you barely have enough to pay for food because you were put in the wrong fund with astronomical fees. The most powerful component when it comes to investing is TIME! TIME makes your money grow and compound, and if you get it wrong, you cannot get that time back. Stop guessing and take your power back. If you don’t know how to choose your investments, don’t worry - I’ve got you. Take our all new free updated ULTIMATE investing masterclass.

I have a $5M net worth at 33. If you’re trying to get rich in your 20s or 30s, then listen up, because in this series I’m sharing the biggest mistakes I see people make that lose them a lot of money. A lot of people will start investing because they think it’s the easiest way to get rich, and that’s true, but many are making these fatal mistakes - and they can keep you broke, even when you’re doing “everything else right”. Today we’re talking about why you’re wasting your money on mutual funds - even though that’s likely what your bank or advisor sold you as “the best option”. Even more insidious than recommending mutual funds is putting people into low or mid risk mutual funds when they are decades away from retirement. What most people don’t realize is that your bank is not selling you mutual funds because they’re the best investment, or because they’re inherently lower risk (even though they love to say they are, where a multitude of studies show otherwise), it’s because that’s where THEY, not you, make the most money. I’ll say that again: it’s because it’s where THEY make the most money. But where do they get this money from, because you don’t remember paying them? They take it right out as a percentage of your investments, and no - they don’t just get this money when you make a profit, they take it even when markets are down. Maybe you’re thinking, Nicole, it’s such a small fee, it’s only 2.5%, does it really matter in the grand scheme of things? Let’s take a look. Imagine you had a mutual fund and an index fund (something you could easily buy on your own with a couple of clicks) that both returned 10%, except the fee on the mutual fund was 2.5% and the fee on the index fund was 0.04%, and you invested $500 a month from the age of 35 until retirement. The mutual fund would have returned you $664,000, whereas the index fund would have given you an account with over $1,065,000. That’s a difference of $400,000. The mutual fund would provide you with $26,000 a year in income, whereas the index fund would provide you with over $40k annually. Both took the same amount of time to set up, both had the same amount of money invested, but one is exponentially better - because with the index fund, instead of paying out $400k in fees to someone who spends maybe an hour or two a year talking to you, you got to keep that money for yourself. I don’t know about you, but there’s a lot of things I’d rather do with $400k than pay it to the bank. What’s worse is that many bank advisors don’t take the time to educate their clients, so if they have someone who comes in and is nervous about investing, instead of showing them the proven strategies used to mitigate risk (like time and diversification), they just throw them in a low risk portfolio - not explaining that this is actually exponentially MORE risky than the “high risk” one, because now their portfolio won’t grow enough for them to be able to retire. If the low risk portfolio returns an average of 4% a year, but they’re paying 2.5% in fees, you’re only actually making 1.5% - you’d be better off sticking your money in a HYSA!! Let’s say you invested $500 a month into a low risk mutual fund returning an average of 4%, 2.5% in fees, from 35 until retirement, you’d have $226k with $46k being interest earned. This would give you $9k a year in income in retirement. Can you live off of $9k? You did all the right things, you invested, you saved, but you barely have enough to pay for food because you were put in the wrong fund with astronomical fees. The most powerful component when it comes to investing is TIME! TIME makes your money grow and compound, and if you get it wrong, you cannot get that time back. Stop guessing and take your power back. If you don’t know how to choose your investments, don’t worry - I’ve got you. Take our all new free updated ULTIMATE investing masterclass.

#duet with @yanrabelas #𝒷𝓊𝒶𝓃ℊ😂#fypシ #ifugaotiktoker❣️

#duet with @yanrabelas #𝒷𝓊𝒶𝓃ℊ😂#fypシ #ifugaotiktoker❣️

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