Personal Finance 101: From Saving to Investing for Beginners
From savings principles to building an investment portfolio. This course to teach all you need to know about investing.
Personal Finance 101: From Saving to Investing for Beginners free download
From savings principles to building an investment portfolio. This course to teach all you need to know about investing.
I will take you from the beginning on how to start saving so that you can invest.
This course will go through the main financial tips and tricks. It's a course that focuses on the most important aspects only. It is for busy people who just want the 80/20 of saving to investing 101.
PS: 80/20 means the "20% of the actions that deliver 80% of the desired results".
This course contains the following:
- Outlining goals. What is itt like to be rich for you? What are your goals?
- Budgeting and detailing main expenses and revenue streams. How can you reduce your variable and fixed expenses? And how can you make more money?
- Ways to save more money daily.
- 14 Ways to Make Money on the Side: There's only so much you can cut, so let's focus on how to earn more as well.
- 12 Most Common Investing Mistakes and how to avoid them,
- The importance of Diversification and How to diversify. You want to have a well-diversified portfolio with multiple index funds across different countries and continents. The goal should be 15-20 uncorrelated assets for a balanced and high-performing portfolio.
- How to select an investment asset with your broker. Navigating broker screen, digging through admin fees and other Key Performance Indicators (KPIs) to look for in a fund
- What to look for in stocks? Price-per-earnings ratio (P/E), Return on Assets (ROA), Management compensation (MC) and other metrics.
- Compound interest and its importance. Albert Einstein reportedly said it. “Compound interest is the eighth wonder of the world. He who understands it earns it. He who doesn't pays it.”
- Why Robo-Investing isn't Working. Critics of Moneyfarm, Moneybox, Wealthify, Wealthfront, and other automated platforms. How their admin fees are killing your returns.
- Fundamental vs Technical Analysis. What's the difference from a bird's eye view? Which analysis should you and I follow?
BONUS: UK Individual Savings Account (ISA) Types: Help to Buy ISA, Stocks & Shares ISA, Lifetime ISA, Pension Schemes, and how to optimise your taxes in the UK. You may skip this 5-minute bonus video if you are not a UK resident.
The resources to read and compile are the best part of this course. Downloadable files:
- Investing for Beginner's pdf presentation
- 10 Commandments of Investing One-pager for high-res printing
- Admin Fee Calculator Excel template file
- Budgeting template Excel template file.
- My total portfolio tracking Excel template file.
- 4 Essays on: a) Cash is Trash, b) Index fund explained, c) Investing in Gold, d) Investing in Small-Cap Stocks.
Why everyone should start investing TODAY?
You won't build wealth by:
- Skipping a $10 / £5 coffee
- Making your own dishwasher tablets
- Clipping coupons
- Ordering water at a restaurant
You build wealth by taking massive action towards decreasing your biggest expenses, increasing your income substantially, and investing the difference in cash-flowing assets.
Don't forget to download the resources to use and read them. They've been carefully produced for this course.
How am I and why you should trust me with your time?
I'm Vini. I'm 33 years old despite looking very young (my moisturizer is great!! :)
I'm Brazilian, Italian, and British now. I've been living in the UK since 2014.
Proudly, I built my 15-year career in Sales, Finance, and Strategy at AIESEC, McKinsey, and Mondelēz International (Cadbury) across Germany, Belgium, the US, and the UK.
As a side hobby, I blog about Business and Investments on Medium (@vinistringhini), record my own podcast "Curious about Business" and have my own YouTube channel ("Curious about Business").
From an educational perspective, I have the following education and certifications that enable me to offer this investment course:
- Master's and Bachelor's in Economics, 2010 - 2014
- Certified Financial Advisor, Level 3, 2021
My Linkedin handle is: /vinistringhini/
This course was recorded in 2020, but I update a few of the videos from time to time.
What if you are not satisfied with this course?
Udemy offers a full refund on courses that are not for you.
"Udemy offers a 30-day refund policy for individual course purchases, allowing you to request a refund within 30 days of purchase if you're not satisfied."
