Beginner Guide to Investing in the Stock Market (2026) – US Stocks & Personal Finance Tips - video Dailymotion

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“Learn how to start investing in the stock market as a beginner in 2026! This beginner guide covers everything you need to know about US stocks, building a diversified portfolio, and managing your personal finance wisely.  Whether you’re just starting with $50 or $500, these step-by-step tips will help you invest confidently and grow your money over time.  Topics covered:  Basics of investing for beginners  How to choose US stocks  Personal finance tips for smart investing  Building a long-term investment strategy  Subscribe for more finance, investing, and stock market tips tailored for beginners in the US!”

Transcript

00:00I want you to imagine for a moment that you started investing in 1985. For a couple of years,

00:07your money keeps going up and up until Black Monday. They're calling it the Monday massacre.

00:12Wall Street had its biggest one-day drop in history. The results of the decline will hit

00:16millions of people. Up until this point, your friends probably thought you were some kind of

00:21genius, but now they're urging you to sell. But you ignore them and slowly but surely the market

00:27recovers until the NASDAQ index in free fall down nearly 10 percent. Driven by technology in general

00:34and the internet in particular. Traders and investors shell-shocked. Your friends are on their knees

00:40begging you to pull your money out, saying things like it's time to take your profits before you

00:45lose everything. But you hold strong and things start going back up until you're hit with. It was

00:51one of the most profound events in generations with huge consequences. Little did you know,

00:56you're in for the ride of a lifetime until... The global economy will contract by 3% this year,

01:03the worst downturn since the Great Depression. Surely this is the end of the stock market. But

01:09as things reopened, the market soared 27% from its low, setting new records. What a comeback.

01:16Something I didn't mention is the guy that invested his money in 1985 was actually me,

01:21when I turned 18 years old. The average return over this time period was 11.23% per year. So if I'd have

01:30only invested $250 per month during this time, then I would have made $1,841,521.08. That's a return

01:43of over 6,000%. But between us, I invested a lot more than that. So now you understand the power of

01:50investing, I think it's time to jump into the details. Honestly, it's amazing how many people

01:55talk about investing, but don't actually show you how to do it. So I'm going to quickly walk you

02:01through how to invest in stocks on your phone. Of course, remember, I'm not a financial advisor.

02:06This is just the way I do it. And before you do any of this, make sure you have an emergency fund of

02:12three to five months of living expenses. The first thing on our list is to set up an account. A lot

02:17of people get stuck at this stage as there's a lot of different investment platforms out there

02:21and also different types of accounts. But trust me, it's much more simple than it first seems,

02:26especially now you can do it all online. When I first started investing, I had to phone up the

02:31stockbroker every time I wanted to buy a stock. Let's use the Trading212 app. I'm going to be using

02:36my son's account as my account's pretty messy as it has a bunch of free shares. He's

02:41actually been running an experiment on here for the last three months, but we'll talk about that

02:46in a bit. The account you open should be a tax advantaged one. This means you won't have to pay

02:51any unnecessary taxes. These are known as stocks and shares ISAs in the UK and Roth IRAs in America.

02:58I think the UK option's much better as you can invest up to £20,000 a year without paying capital

03:03gains tax on your profits. And you can take out your money whenever you want. In contrast, Americans have

03:09to wait until they're old and retired, and they have a much lower limit of $6,500 per year. Feel free

03:16to use whatever app you like. This is just one of my personal favorites. Next, we need to deposit some

03:21money in order to start investing. Most apps make it pretty easy to deposit money. We just have to click

03:26these three lines and then select Deposit Funds. As you can see, this brings up a screen with lots of

03:32different options like instant bank transfer, bank transfer, debit card, and what we're going to use,

03:38Apple Pay. Let's just put in $400,000 so we can invest in some stocks together. Feel free to invest

03:44whatever you feel comfortable doing. Curtis, I'm going to need your face for the phone.

03:49This next step is super important, getting some free stocks. Since I was planning to talk about

03:57trading 212 anyway, I reached out to them to see if they would be interested in sponsoring this portion

04:03of the video. They agreed, and they're offering a free stock worth up to £100 to anyone that uses

04:08the code Tilbury when they create an account. Plus, you can get more free shares by inviting your

04:13friends. Both of you will get a free share as long as they fund their account. So don't waste your

04:17invites and invite brokies. And also, don't worry if you've already opened an account within the last 10

04:23days, you can still use the promo code Tilbury in the app and receive your free share. Right,

04:28now we need to plan a winning strategy. The first thing we need to remember is that investments go

04:34up and down, so it's very hard to pick winning individual stocks. That's why I prefer to invest

04:39in all of them. You probably think this sounds a bit crazy, but stay with me. I love listening to music.

04:45I'm a big Deacon Blue and Queen fan myself. But whatever you like, if you've ever listened to the

04:50radio or use Spotify, you'll be familiar with the music charts. The better the songs perform in sales

04:55and downloads, the higher up they go in the charts. On the other hand, if a song drops in popularity and

05:01sales, then it drops out of the charts. This is almost exactly the same as investing in an index fund.

05:07All you have to do is switch out the songs for companies. Let's take the S&P 500 for example. This is a

05:13list of around 500 of the largest public companies in the USA. The big dogs being Amazon, Google,

05:20Apple, and Tesla. And just like the music charts, if a company does poorly, then they risk being

05:26removed from the list. Here's the cool part about an index fund. With just one click, you're not just

05:32investing in one or two companies, but in every single company on the list. So if one doesn't perform

05:38very well, your money's okay as you'll spread across all of them. So how can we put this into

05:43practice? Well, we need to automate our long-term investments. Remember I said my son had been running

05:48a little experiment for the last three months on his account? Well, he's been investing five pounds

05:53into the S&P 500 every day. Why five pound? Because that's about the average price of a Starbucks coffee.

06:00Automating your investments like this is a great idea as it means you can just set it and forget it.

06:06His portfolio is actually doing pretty well. As you can see in the green, his return so far is 36

06:12pounds and 46 pence. And that's a return of 5.03%. Not bad for a little experiment. If you want me to

06:19keep you updated with this when it reaches the six month mark, let me know in the comments. To set

06:24something like this up, all you have to do is select pies and then press the plus icon. Now you can select

06:30whatever stocks you want to include in your pie. For this demonstration, let's just keep it easy and pick

06:34this S&P 500 index fund. By the way, look out for if it says accumulation or distribution in the

06:41brackets. Personally, I always go with accumulation as it reinvests your dividends back into the stock

06:47automatically. The less I have to think about, the better. Now let's tap add to pie and then the arrow

06:53button. If there was more than one stock in here, then we'd be able to change the percentages with this

06:57slider. Right, tap next and then auto-invest. This value projection is really awesome as it shows you

07:05how much money you could make based on historical averages. Of course, when you invest, you can get

07:10back less than you invested as investments can rise and fall. But it's still a great way to get an idea

07:15of how much you could make based on data-backed projections. I mean, say we invested 250 pounds a

07:22month for 31 years. You'll only have invested 94,000 of your own money. Your portfolio would be

07:291.14 million. If we expand this to 40 years, your portfolio would be 3.56 million. It's worth having

07:37to play around with this as it's quite motivational seeing how much money you can make with a relatively

07:43small amount invested per month. And to all the people in the comments saying, well, what about

07:48inflation? It will make your money worth far less. As long as you're investing and not just keeping

07:53your money in a bank account, then inflation is not something you need to be extremely worried about.

07:59Additionally, I increased the amount I was investing to keep pace with inflation. Now, let's pick some

08:05individual stocks. Although I wouldn't recommend that beginners bother with picking stocks, I know many

08:10of you are going to try anyway, especially since you've seen people make millions from the right

08:15meme stock that skyrocketed like GameStop. All right, so there's basically two ways to take a stab at

08:21figuring out what's going on in the stock market. Technical and fundamental analysis. Those quick deal

08:27day traders are all about the technical stuff, poring over price charts and patterns, thinking they've got

08:33the scoop on how the stock's going to swing just by eyeballing the ups and downs. Now me, I'm more of a

08:40long-term player. I dig into the nitty gritty of a company's fundamentals. You know, the financials,

08:47who's steering the ship, and how well known the brand is. I reckon that's where the real lowdown is

08:52for predicting a stock's long-term success. So I sift through income statements, balance sheets,

08:58and cash flow statements. When I throw money into a stock, I'm in it for the long haul, at least two to

09:04five years minimum. To find stocks, simply click on the magnifying glass icon. Trading212 have made it

09:10incredibly easy to find stocks by providing various lists such as big tech, popular ETFs, banks, and most

09:18owned. There's also lots more. Take a look when you find a bit of time. You can even go on the social feed

09:23tab and see different pies that other users have created and copy it for yourself with a single click.

09:28So you don't have to find the stocks yourself. On the stock page, you can see the price graph,

09:33and by scrolling down, you can actually access all those important financial documents I discussed

09:39earlier. Now, let's buy a stock. Tesla will do. Now this pulls up a page with a couple of different

09:44options. The first one is a market order. A market order is just like when you go to the supermarket

09:50and pay whatever the price tag says. A limit order, on the other hand, is like going to a boot fair and

09:55haggling for the best price you want. You can put in a price that you're willing to pay, and if the price

10:00ever gets to that level, then the app will purchase the stock for you. As a beginner, that's all you

10:06really need to know. There's no point diving into the other options. Let's buy 400 pounds worth of

10:11Tesla, so I can show you how it's done. The final step is to press send by order, and boom, we're now

10:18part owners of Tesla. So now you know all the steps, and you've got a free stock with the link in the

10:23description. What's holding you back? Well, it all sounds great, Mark, but isn't investing a bit

10:28risky? Well, take a look at this. If you're investing a single amount every month from the age of 25,

10:35you would be around about here if you invested for around 30 years. Now, if you waited 10 years,

10:44this is the difference that will make your growth. Somewhere around about here. Look at the difference.

10:50It's absolutely crazy. So start young. If you have a diversified portfolio of index funds and keep

10:57investing at a gradual rate each and every year, then even if there's a stock market crash, then

11:03historical data shows you should be able to endure the storm, just like I did. If you want to know why

11:09net worth goes crazy after 100K, then you can check out this next video, but don't click on it just yet.

11:15Make sure to subscribe if you want to grow your wealth, okay? I'll see you over there.

Beginner Guide to Investing in the Stock Market (2026) – US Stocks & Personal Finance Tips

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