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One of the most frequently asked question is

"How Much Should I Invest In 1 Stock?"

Hi, my name is Alvin,

I'm the founder of Dr Wealth.

Before I go into the exact figure,

I would like to share with you some perspectives

in how to determine the minimum amount

as well as...

the maximum amount of investment

you should have in a stock.

Let's start with the minimum amount first.

I would say that

the minimum commission is actually an important factor

to determine the minimum amount you should invest.

In Singapore,

the minimum commission can go as low as $10.

Let's say you invest $100 in 1 stock,

and it cost you $10,

which means your cost is as high as 10%

of your invested amount!

This is quite ridiculous,

because in order for you to make back this 10% from the stock market,

it's going to take a while.

Probably 1 over year, right?

And, you'd only barely break even.

So it doesn't make sense if your percentage of your

investment capital is too high.

It eats into your returns.

Which means if you can just take $10

divided by the minimum commission,

of 1%...

it gives you a figure of $1,000.

This means that if your minimum commission is $10,

and you want to keep your cost within 1%,

you need to invest minimally, $1000.

In my opinion,

this is the way that I think

most people should think about setting their minimum investment capital.

Keep your cost below 1%,

and of course,

if you can keep BELOW 1%,

as low as possible, that'll be the best.

Let's say 0.28%,

or even 0.2%.

That'll save a lot of your cost,

when investing in the stock market,

and you'll be able to make back your returns a lot faster.

Let's move on to the maximum side.

Some of you probably have a lot more capital to invest,

you'll be wondering "how much money should I put into 1 stock?",

such that I'm not taking too much risk

in the process.

To answer that, we'll talk about risk management,

or, what is the degree of reasonable diversification?

What is the number of stocks you should have in your portfolio?

And research have found that,

a portfolio should achieve 12 to 18 stocks,

to have reasonable diversification.

Which means you reduce risk to a reasonable level.

Let's take the middle ground, which is 15 stocks.

if we stretch it to the other end,

if you only invest totally into 1 stock right?

which is 100% in 1 stock,

all your capital in 1 stock

is very dangerous, nobody does that.

So what happens when it's at 15 stocks?

and you invest in them equally,

in your portfolio?

That would mean that you'll only have less than 7% of your capital,

in 1 stock.

This is definitely a lot more comfortable

for people to sleep well at night,

while their investments are put to work.

If you invest 100%, i think...

it is too stressful,

and there's too much risk taken, in that sense.

Today we covered about

the minimum investment amount,

which is $1000.

And, to the maximum amount which is,

7% of your total investment capital,

in 1 stock.

Thank you for watching.

I hope it has given you new insights to investments.

For more infomation >> How Much Should I Invest In 1 Stock? | #AskDrWealth - Duration: 3:12.

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How Many 401(K) Funds Should I Invest In? (401K Investing For Beginners) - Duration: 7:18.

well guys here we are once again is this thank you so much for all the support

you guys show me on this channel you guys are absolutely wonderful and I

really enjoy interacting with all of you now if you want to see more videos like

this just let me know by commenting or hitting that like button now the video

footage I'm about to show you today is really something I filmed back in 2017

late 2017 before I got my brand-new Canon DSLR camera so if you're wondering

what happened to the quality of the video footage that's why this is because

I filmed it with my old camera as you're about to see just a couple of things I

wanted to mention before we launch this video is that you're gonna hear what how

many funds I prefer to invest in now I've looked with him I companies 401 k

plan we have around 60 total funds and I spent hours and upon hours researching

them before deciding on how many of those funds and which funds I wanted to

pick so it might come as a bit of surprise how many funds I suggest you

pick in your 401 K but just hopefully you guys will find value in this now at

the end of the video I will show you using this strategy and I still use this

strategy 100% of how my performance for my 401 K ended as of the end of 2017 and

how where I'm at year-to-date in 2018 especially with the market being a

little choppy err with all the things going on right now in our economy and

with talks of tariffs and things like that so with that being said I hope you

guys enjoy the video! I hope you get something out of it and I'm sure you

guys might have some questions so feel free to drop questions and comments in

that comment section down below all right let's get that video started

thanks so much guys love you all

so how many investments should you have in your 401k fund that's what we're

gonna talk about today in this video what's up guys it's Mike also those

m'kay at the CPA and this is my sidekick chipper

how are you guys doing today I hope you've been having a wonderful week

my out weeks been pretty good if you're new to this channel I just want to take

a moment to say welcome highly consider subscribing because every single week I

produce new videos that are gonna help you with your personal finances your

investments taxes and things that are gonna help you not only in your career

but your everyday life a lot of questions I've been getting from people

just in my normal everyday life is like how many I know you make investment

videos but how many funds do you our investments do you think I should have

in my 401 K so I just wanted to take a moment to speak to you one-on-one about

this because I know it's really confusing I know you've gone through

school and you've now you're working in a professional position or a position of

some kind but nobody ever taught you this stuff so what I would recommend and

I'll just share with you what I do and all of this is just my personal opinion

if you find it helpful feel free to use this the rules of thumb I use but if you

don't find it helpful just do your own thing I mean it's totally up to you so

this is just my opinion and I am NOT a professional investor but what I do with

my 401 K and what I've learned over time is that some I've seen people open a 401

K and of course that once they start doing a monthly contribution to that 401

K regardless of the amount let's say it's $500 a month or up to $1,000

whatever it is sometimes people will choose 10 or 12 investments and what I

got to say to that is I think that's a little bit of an overkill

what I found for me to work the best is actually narrow my focus so I currently

in my 401k I only have four investments if you have less than $100,000 in your

account I would really only have between one to

four investments in your 401k now once you've exceeded that amount in

that all of these are just rules of thumb guys this something a guideline to

follow once you've exceeded a hundred thousand then from a hundred thousand to

two hundred thousand feel free to add on a couple more investments and you know

when you're at a million dollars if your account grows to that level at that

point add you know and maybe have ten to twenty-five investments but when you

have less than a hundred thousand dollars in your 401k which is most

people in America I would only invest between one or four things and you say

Mike well what if I'm not diversified enough well even sometimes people pick a

lot of different funds but a lot of those stocks in those funds actually are

making them not diversified so when you're choosing if you're choosing this

one to for investments take them home with the study what those funds are made

up of so that each funds you own even though you might only own three or four

is not gonna have the same stocks in it and that will give you still

diversification even though you only have a few funds so those are some

things to consider you don't have to go crazy with this guys just really what I

do is I'm letting my account grow to a hundred thousand dollars and then I will

add on more investments from there but just find the best four investments you

can for yourself and then proceed from there and just watch it grow that's

what's been working for me and so far as of November I think my account I looked

about a month ago it's up twenty-two percent this year because I very

carefully selected those four funds so take your time and carefully carefully

select the four funds the three or four funds that are gonna produce you the

highest rate of return in your 401k and of course you have to consider your age

and when you're gonna retire and all that kind of stuff but always consult

with this kind of stuff with your company's financial adviser or with a

financial adviser if your company doesn't have one all right guys that's

really all I have for you today let me know if that made sense if I didn't

explain something or I could explain something better I'm happy to answer any

questions you might have I'll answer them to the best of my

ability and you can just leave those questions down in the comment section

down below and I will make sure to get back to you alright guys if you liked

the video make sure you smash that like button share this information with a

friend especially someone who's looking to invest in their 401k and of course be

sure to subscribe if you have not already thank you so much for your

support guys I will see you in next week's video you guys have been a great

audience and I really appreciate you taking the time out of your day to watch

this video remember on this channel we make new videos every single week that

are going to help you improve your financial position

your career and your life and so I will see you guys next week

you guys are great love you all peace

For more infomation >> How Many 401(K) Funds Should I Invest In? (401K Investing For Beginners) - Duration: 7:18.

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How Many Wills Can You Have at One Time? - Duration: 1:05.

Today's question how many wills can you have at one time? The answer is only one.

That means if you form a new will you should revoke the previous will and

I suggest physically destroy it. While it can be tempting to

keep copies of old wills lying around it can be confusing to your personal

representative when you die finding wills with various dates

therefore if you form a new will I suggest you revoke the old will within

the document most attorneys will put this in the new will but as an

additional step take the old will and shred or burn or physically destroy it

so that your personal representative is not confused after your death when they

find two copies of a will lying around with different dates you should only have

the most recent copy at one time because you can only have one original will at a

time. Great question and thanks for asking.

For more infomation >> How Many Wills Can You Have at One Time? - Duration: 1:05.

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How many people migrate? - Duration: 6:49.

- Hi, I'm Sophia from Migration Matters.

We are a non-profit organization that wants

to empower you to have better, more nuanced

and more solutions-oriented conversations about migration.

We produce bite-size courses with academics,

practitioners, and the public.

What percentage of all the people in the world

do you think are migrants?

So, we got a lot of different answers

on the street that day, and most of them

were in the double digits.

It's not surprising given that the words we hear

in the media all the time connected to migrants,

asylum-seekers, and refugees are words like

influx, flood, wave, tide, pouring in.

So, we wanted to know:

Are we really living in an age of unprecedented migration?

So, we went to the source to find out.

We asked Hein de Haas,

one of the world's leading thinkers in migration.

- Hello. - Hi, good to meet you.

- Nice to finally meet you. - Hi, good to meet you.

My name is Hein de Haas and I got interested

in migration when I was 17 years old

and embarked upon a train journey to Morocco

because I was curious.

I wanted to see other countries outside of Europe.

And once in Morocco, I discovered

that so far away from home, there are people speaking Dutch

and this turned out to be migrants

who used to live in the Netherlands

and came back and spoke fluent Dutch to me.

And that really fascinated me

how societies so far away from each other

are connected through migration.

- He is a founding member and former director

of the University of Oxford's

International Migration Institute.

He's a current professor of sociology

at the University of Amsterdam,

and he has written a ton on this topic.

So, let's hear what Hein has to say.

- The number of migrants in the world

hasn't actually gone up.

I mean, absolute numbers have gone up,

but the world population also has gone up.

Half a century ago, about 3% of the world population

was an international migrant.

That's still the same percentage.

So, if we look at the longer term,

actually migration hasn't accelerated.

Of course, there's more migrants,

but there's also more people in the world.

- Okay, so there's more people in the world

which means there are more migrants,

but there aren't more migrants proportionally.

That makes sense, I guess.

But, we are living in a time of globalization

and people can travel and move more easily

than ever before.

That's got to be affecting things, right?

- All forms of mobility have gone up

like travel, commuting, business travel,

tourism, obviously, have spiked.

But, actually, migration in terms

of people changing residency

has been remarkably stable again.

Obviously, with growing interconnectivity between societies

in the world, people's awareness of other societies

will only increase in the future.

But that doesn't necessarily translate into more migration.

- Okay, hold up a second.

If the question isn't about the numbers,

then what is it about?

We can't ignore that people feel like

their societies are changing

through immigration and diversity.

- I think the more relevant question,

instead of asking will there be more or less migrants,

is asking where will future migrants come from and go to?

And there, we've seen things happening

over the last 50 years that nobody would have predicted.

Nobody would have predicted 50 years ago

that Europe would become the global migration destination

that currently attracts more people

than, for instance, the United States and Canada together.

So, in the future, migrants may come from

and go to very different countries than right now.

Take one example, China.

Many people think that most Africans

who want to leave the continent all go to Europe

or all want to go to Europe.

Well, first of all, the big majority

of Africans move within the continent

to prosperous countries.

But, actually what few people realize

is that more and more Africans

explore destinations outside of Europe,

and China is one of those new destinations.

What may also shift in the future

is the sources of migrant labor.

You know, after the last decade,

it's been countries like Mexico, Morocco,

Turkey, the Philippines who sort of played this role

of emigration countries and important sources

of both labor and family migrants

in North America and Europe.

- So, Hein's talking here about emigration with an "e",

which means the process of leaving one's home country

and settling or living in another.

Immigration with an "i" is the process

of entering another country.

- Well, those countries are also developing.

A country like Turkey, even before

the Syrian refugee crisis, had become already

a destination for labor and other migrants

going to Turkey, and the number

of Turks leaving Turkey had gone down.

- So, things are changing and they're hard to plan for.

Okay, we get it.

But, since Hein's head is full of understanding

about the trends and causes of migration,

we couldn't let him get off that easy.

So, we asked Hein if there's anything

we can be sure about when it comes

to the future outlook of migration.

- It's almost certain that the future outlook

of migration will be totally different

from the current one.

So, the danger is to take a Eurocentric view

and think that Europe will always remain

the center of the world and the global migration destination,

the same for North American countries.

Those may well shift in the future.

- So, we can't predict what's going

to happen in the future, but we can make

a few assumptions, right?

Like that people from poorer countries will want

to migrate to countries where they have more opportunities.

So, what can Hein tell us about that?

- Actually, the countries that are the poorest,

for instance, in Sub-Saharan Africa,

is the region with the lowest migration in the world.

Because fewer people have the resources

and the opportunities to move around,

even within the continent.

And certainly, when you look at migration

out of the continent, it's actually very low.

And the African countries with relatively high migration

to North America, to Europe, are the relatively stable

and relatively prosperous countries.

Like, for instance, South Africa,

or Senegal or Ghana.

These are the countries that have much higher percentages

of their populations living in the West.

But, of course, once a country and a society

becomes more attractive, stable, and wealthy,

it will start to attract more migrants.

- It makes sense not to be ethnocentric

when it comes to topics like migration,

but I always wonder how we can get people

to think about migration from beyond the personal

or the national level and to understand

and value these bigger trends around them.

If you want to learn more from Hein,

I recommend you check out his full course

with us, Migration 101.

It's free by the way.

It's available on YouTube and on our website.

Subscribe to our YouTube channel

for all the latest videos. Like this video.

Please share it.

Let's get conversations going around this topic,

and I will see you in the next video.