Hubert Senters here. Common question that I get asked all the time is ‘’hey, I want to do what do you do for a living?’’ And it’s not right for everybody. So a lot of people, my friends, family, business associates. If you don’t have time sitting and looking at all day long. I wouldn’t do it because it’s hard to do. It’s not the easiest profession in the world to do. So if you’re in that camp and you’re on this video and you’re asking questions like man, I just can’t do this day in and day out. My recommendation would be put your money in an index fund and just let it sit there and don’t mess with it. It’s an easier way to do it. Most of us professional traders and I’m doing air quotes because I consider a professional trader. You might try to just make money from the markets day in and day out and try to beat the averages at the end of the year. Sometimes we do. Sometimes we don’t. Sometimes we smoke it. Sometimes it smokes us. So my first recommendation would be use Vanguard. They have the cheapest fees in the industry. Vanguard total stock market index funds. And as you can see here, there’s two different ways to do that. I don’t have any affiliations with Vanguard. They’re just the cheapest. This is where I put a lot of my retirement funds to do so and my kids and my wife, my mother’s, father’s so there’s a lot of people that I recommend go over here. I don’t have any affiliation with them. I just like Vanguard because it’s supercheap. So you can see here is the domestic stock market. And this is going to be a VTSMX is the total stock market. Everything in the stock market you have access to. Now, there’s two different classes you can join. So if the minimum investment here on the. Let me see which one this is called. I believe it’s just called the investor share. I am going to scroll up here. Investor shares, if you can only afford $3,000 to start with. And that expense ratio is going to be point one for which is 85 percent lower than the average expense ratio of similar holdings. Now, if you have more money available to you. I am going to click right here. Admiral shares, this is what I recommend because over time it can cost you less money in fees so you can see it goes from 0.14 down to 0.04 percent and it’s 96 percent lower than the average and this is called the admiral shares. You’re probably going to ask is this better than the S&P 500. It’s not better. It’s not worse. It’s basically the same thing. S&P 500 has just the big. S&P 500 doesn’t have everything and then here’s a nice little break down for you. If you’re only going to hold for like a year Vanguard S&P 500 is going to be 19 percent and the total stock market index was 18.2. So there is not that big of a deal. Three year hold time 13.3 percent, 13.6 percent. And then here goes five year, 10 year, 15 year. This one the Vanguard Total Stock Market Index Fund overtime should beat the S&P 500. So that’s why I’m saying go here instead. Now, if you’re only going to hold for one to three years you might get a little bit bigger percent return here depending on you know what the S&P 500 versus what the entire total stock market is. Good luck. Hope it helps. And I’ll see you on the next video. Hubert.