This is millions of dollars and I'm gonna be revealing
how I'm investing it in 2022
in order to make some sweet profit.
Well, actually it's just a bank card,
but you get the idea.
Hi, guys. It's Mark.
So, let's make investing in business interesting
so that you can grow your wealth.
I believe 2022 is gonna be
an extremely exciting year for investors.
So, today I thought it'd be a good idea
to run through exactly how I'm planning to take advantage
of these new opportunities so that you can too.
By watching this video until the end,
you'll know how I'm splitting my money
across four key investments,
why I think this is the perfect allocation
and what do I believe
the next big money-making opportunities are.
Remember, I'm not a financial advisor.
I'm just sharing my own thoughts
as a successful businessman
with over 30 years of experience.
Hopefully, this video will help you
form your investment strategy,
but please do your own research
before making any financial decisions
because I'm only human and I do make the occasional mistake.
- [Son] But you said the last and only mistake you made
was when I was born?
- I never said that. What nonsense.
I might have thought it though.
Let's get this off with my relatively
high interest savings account.
Well, they say high interest.
I don't know how they get away with calling it that
when it's only 9.5%.
I know some of you might be thinking,
"Mark, you always say investing is better than cash.
Why have you even got a savings account?"
Well, yes, that is true to a certain extent.
But in 2022, I believe there will be huge opportunities
awarded to the people still holding some cash.
The first opportunity is stock market corrections.
During 2020 and 2021, some of my favorite stocks
like Affirm, Tesla and Enphase Energy
experienced some amazing growth.
However, the prices became extremely overvalued,
partially due to the FED printing lots of extra money.
Having some cash ready to deploy will mean
that when the market drops,
I'll be ought to pick up some nice bargains.
I mean, when the stock market drops,
it's like having a garage sale
where you can pick up some real hidden gems.
Secondly, the metaverse.
I'm so interested in this that I've even made a video
about my favorite metaverse stocks.
I just think the idea that we will eventually interact
in a virtual world is pretty inevitable.
I do however understand that we are
in the early development stages
and therefore the technology just isn't fully capable yet.
By holding back some cash,
it means when new metaverse technologies come out,
I'll be able to invest in those areas rapidly.
Thirdly, I plan on investing more into this YouTube channel.
I've got a few trips in mind that should allow us
to create some really cool videos,
including a visit to Las Vegas
to collab with Graham Stephan.
I'm also working on expanding my studio very soon.
If you have a business or side project,
then 2022 could be a great opportunity
to start really pushing it forward as the world opens up.
Also during uncertain times, it can be quite nice
to just have a little bit of cash lying around just in case.
Because these days it just feels like
you never know what's gonna happen next.
In 2021, I actually kept around 20% of my portfolio
in a high interest savings account.
I have to admit,
this is a little bit on the high side, in my opinion,
but I had a few reasons for this.
I'm currently building out the north wing of my house,
which has cost $600,000 so far.
And if there's one thing I've learned
over the years about real estate,
it always costs more than your budget
and it always takes longer than you expect.
I've had all sorts of issues from wrong doors being fitted,
to the roof being designed incorrectly.
Luckily, I caught that error pretty early on.
With that said, moving into 2022,
I'm decreasing my cash from 20% to just 10%.
Honestly, we still have a long way to go with the build,
but a lot of the expenses are out of the way.
So, it feels like it's coming to a close.
This means I don't feel the need
to have as much cash on hand
and therefore I can start investing more
into other exciting areas.
Have you ever heard the saying,
"It only takes a price of a coffee a day
to become a millionaire?"
Well, that's down to index funds and ETFs.
I've made a lot of money
from simple long-term index fund investing,
and as an added benefit, it's extremely low maintenance.
The concept is really simple.
It's a basket of stocks all packed into one investment.
It's the ultimate and simplest way to spread your money.
There are tons of different index funds and ETFs,
but most popular buzzword is of course the S&P 500
which is 505 of the top
publicly traded companies in America,
all packaged up into one easy investment.
Yeah, you heard me right. 505.
It's so good. It's bursting at the seams.
Even though this is the biggest index fund
in my portfolio by percentage,
I do also invest into a total stock market fund.
The best I've found in the USA is VTSAX.
And in the UK is the VWRL ETF.
Additionally, I think it's important to have some money
invested in an emerging markets index fund.
The best I've found in the USA is the VEIEX ETF.
And in the UK, the VFEM ETF.
But also,
there are lots of other emerging market funds available.
So, it's worth having a bit of a look around.
If all of those index funds made you sort of glaze over,
then here's an awesome fact that should wake you up.
The average return of the S&P 500 is 10%,
which means if you invest $5,
instead of buying a coffee every single day
from the age of 18 to 67, you'll retire comfortably
with over $1 million.
And if you don't wanna wait until you're 67,
just invest more money.
That's what I've done for years.
And it's worked really well for me.
In 2021, I held 60% of my portfolio within index funds
and as they have never failed me,
I see no reason to change this in 2022.
These percentages aren't taking into account real estate,
as I want this video to focus on a portfolio
that can be easily started with as little as $100.
'Cause I think most people would have that.
On that note, if you do only have $100 right now,
then I think the best thing you can do
is open up a brokerage account and start learning to trade.
The next thing we're gonna be talking about.
Individual stocks.
Now, here's where it gets exciting.
This is such a good investment
if you only have a small amount of money,
because it gives you a taste for investing
that index funds could never do.
I know when I first started off,
I had a lot of fun picking individual stocks
after reading company's financial statements.
It might not seem like fun to you,
but that was the sort of kid I was.
Honestly, without actually investing my own money,
I thought I'd have been interested in learning
how to read all those financials.
So, my point here is
when you have a smaller amount of money,
individual stocks are more enjoyable.
Also, if it doesn't go your way,
at least you don't lose thousands.
The other great thing about individual stocks
is you can have major exposure to your favorite companies.
That's the one downside of index fund investing.
When one of your favorite companies is doing amazingly,
you might not be able to experience those gains
as much as you'd like.
But of course, on the flip side,
this can also protect you if your favorite stock tanks.
2021 was an absolutely amazing year for the stock market.
Most likely due to all the money
being pumped into the economy.
I think 2022 also looks very promising
as I see huge potential for individual stocks,
especially with all the metaverse and tech advancements
that are happening at the moment.
In particular, I'm most optimistic for Tesla, Coinbase,
Corsair, Matterport and Enphase Energy.
But I do think it's important that we remember
that 2021 was a crazy year for the stock market.
I mean, on average, the S&P 500 gains 10% per year.
But in 2021, it gained nearly 30%,
which is absolutely insane.
In 2021,
I allocated 15% of my portfolio to individual stocks,
but after making a staggering profit on Tesla,
I'll be increasing my allocation to 17.5% in 2022.
I know it's only a 2.5% increase,
but when I break that percentage down into actual money,
it does work out quite a big difference.
This increase is mostly due to my tech metaverse excitement.
By the way, public.com are currently giving away
a free stock worth all the way up to a thousand dollars
when you fund your account with as little as $1.
So, if you wanna pick that up,
I'll leave a link in the description below.
But the main reason I'm only increasing 2.5%
is because of my next investment.
Crypto.
It's done incredibly well over 2021
with Bitcoin quickly becoming the best performing asset
of the last decade,
which means I can't do just one.
- [Son] Dad, the jokes keep getting worse
Give us a break, please.
- Leave that out.
Let me know in the comments, if you want more of this stuff.
It's comedy gold.
When Bitcoin first rolled out in 2009,
like many people, I just thought it was a bit of a scam.
This was probably because I was so used to investing
in tangible assets like real estate and stocks
with real companies backing them up.
I eventually started dipping my toes in the water
at the start of 2019.
And over the last few years,
I've been buying more and more blue chip crypto,
like Bitcoin and Ethereum,
as well as investing into some smaller alt coins.
There's no denying that you can make
huge returns from Oak Point.
However, personally, I only invest in these coins for fun
and as an experiment for YouTube.
But the reality is as the upside potential is so big,
you don't need to invest lots of money
to get some crazy returns.
A perfect example of this is my Sand investment,
which has grown over $2,000 in about a month,
which is absolutely nuts.
Honestly, the growth crypto has been an experience
and has been explosive,
but I'm even more interested in Web 3.
Web 3.0 is simply put the third version of the internet,
which has meant to be an improvement
over the current system.
Web 2.0 was born when the internet transitioned
into more of a social tool.
Think my space and Facebook.
The internet went from being a tool to look up information,
to a place to connect with your friends and family.
When I first heard of Facebook,
I thought it was somewhere the girls went
to learn about doing their makeup.
The only issue of Web 2.0 is that it is highly controlled
by a small group of tech giants,
including Apple, Meta, Amazon, Microsoft, and Google.
We gave away the control of our data
to these huge companies,
because they offered us a way to connect.
However, Web 3.0 is about giving the power
back to the people.
This third version of the internet will be decentralized.
Meaning, people retain the control over their own data.
I'm a big fan of this idea
is it would allow more transparency
over how our data is used
without giving up the huge benefits of Web 2.0
like the social tools.
Just think, most of the billionaires today
had their rise because of Web 2.0,
such as Mark Zuckerberg and Jeff Bezos.
Whenever there is a big shift in technology,
billionaires are formed.
And it looks like Web 3.0 is the next big thing.
In 2021, I allocated 5% of my portfolio to Crypto.
And I thought that was a pretty risky move.
However, due to my excitement about the future
of blockchain technology.
In 2022, I'm gonna be increasing this to 12.5%.
Talking about Crypto,
if you wanna pick up $10 worth of free Bitcoin
from Coinbase when you open up an account,
then I'll leave a link in the description below.
I'm definitely more bullish
as I'm starting to better understand this space
and I've loved making videos about it.
Of course, I'm making this transition slowly
in dollar cost averaging
in order to buy at the best prices.
The best time to invest was 10 years ago.
The next best time is today.
We're set to experience
the biggest wealth transfer in history.
And if you have a solid investment plan,
then you're set to make the most from it.
I truly hope sharing my thoughts has really helped
drill home the potential of investing
and identify where I think the biggest gains
will be seen in 2022.
I'm gonna leave the next video right up there,
but don't click on it just yet.
Make sure to subscribe if you wanna grow your wealth.
Okay. I'll see you over there.