What's a Good Return on Investment? 

Props to your graphics person for the great visuals.

Not gonna lie... Those animations really helped me understand this.

Mind blowing analogy. Its crazy how well it fits the bill.

Kinda wish you'd say at the end "and that's arrrrgh two cents" :P

This channel is an hidden gem. Adds so much value.

Starting early is the best way of getting ahead to build wealth, investing remains a priority. Even in a downtrend, the stock market/crypto market has plenty of opportunities to earn a decent payout, with the right skills and proper understanding of how the market works.

This is so creative and wonderfully animated. It's also the first real beginner level introduction to investing I've encountered--it doesn't assume people know what stocks are or that there are investments that aren't in the stock market. Thank you so much Two Cents!

This was excellent; loved the illustration.

So cryptos are like setting sail for the new world?

Currently I'm just being smart and frugal with my money, I'm in the green 47% over the last 15 months and l've accumulated over $700K in pure profits from DCA’ing into stocks, ETFs, dividends and futures. However I’ve been in the red for a month now. I work hard for my money, so investing is making me a nervous sad wreck. I don’t know if I should sell everything, sit and just wait.

Being a mariner, This was so pleasing to watch as you portrayed everything so accurately!

I think another major form of risk that wasn't really touched on was liquidity or lack there of. Many of those option lock you in for a certain amount of time so it makes it risky if something major happens and you need that money now. Or, more importantly, if the interest rates increase but you're locked in at that smaller rate. You could be missing out

Oh my goodness, this is just too adorable Two Cents! Well done! You've taken the complex subject of investing and made it nice and easy, and entertaining to digest. I agree wholeheartedly that we need to have a little in all places. and I LOVE that you mentioned to use the saving account just for those rainy day, easily liquid-able, reasons only. My advice for viewers here would be to use the sound advice the Two Cents have laid out so beautifully in this video and then also seriously consider starting a plan B, business idea of your own. What are your talents, hobbies or interests that you know a lot about and that your would have loved to know when you were just getting started? Start there, make a list and then see what ideas come to mind. Maybe one day you'll do so well that your business idea will be in the top 500 businesses that others invest in too!

I wish I could like this twice. Once for the well presented information, and once for the sustained pirate analogy!

Well done! I wish I could have seen this video 10 years ago😯

Brilliant metaphor, thanks a lot for this video!

I am a financial planner and I admire your channel so much! Such a fantastic job in bringing knowledge to small investors!

If you have an idea, make that idea HAPPEN and start investing. Trust me, it'll be worth it! :) Hi guys! Let me just share with you a quick story. We own a cookie shop business in our college town. When we first started it, we were living in our car with very little direction, just a huge passion to be successful. We just graduated college as well. We started the late night cookie shop out of a local bagel shop in their off hours at night. We were living in our car in the parking lot of the shop at the time with my boyfriend, Bran. It was a crazy experience but it worked! We became a success! And now we have 2 storefront locations in New Jersey and Florida! We started it to fund a year long backpacking trip around the world and to be successful while living the life of our dreams.

You guys just wanted to dress up like pirates and play sea shanties, didn’t you

Keep it simple. High Yield Savings account for Emergency Fund and Short Term Savings(2-5 Years). S&P 500 or a good Growth Fund and some bonds for long term and Retirement accounts.

You guys have TOO MUCH fun with your thumbnails! LOL

that was great analogy. It is now going to stick in my head using pirate reference on type of investment. Thanks guys.

This is literally the single most amazing infographic you guys have made!! Love it!

Hehehe. Sextant. Wait, what were we talking about again?

depressing how 1-2% is considered "high yield."

Great to see you adopt new concepts for every video to keep engaging us with insightful content on personal finance. Kudos and more power to you, Two Cents!

This is one of the best explanations that I saw in few years back!!!!!!!!!!!! Thank you on your hard work making this simplified.

So amazingly well done, guys. As a lover of personal finance, I could really appreciate this video. Loved how you guys were able to put a nautical theme to it, and the simplifying and story telling bits were also splendid.

Loved the analogy with sea, applied for every one of the examples! kudos to your Design Team!

I enjoyed the musicy ,the topic ,the explanation,the graphics and everything. Your energy guys is out of this world 😍😍💓. Keep nailing it 😉

What a great analogy! Loved it. I'll use that sometime while explaining funds to my parents 😅

I really like the sailing analogy; it was very informative and clear! Congrats! 👏🏼👏🏼👏🏼

What a great video !! I use it in a french university to explain that ROI also depends on the future you've designed. I mean that I use your video even in non financial training course. Thanks for your job.

I, along with others, raised the question of how we could get 7% returns on investments, in a previous video. Really happy to see that question directly answered. Thank you both very much. P.S. am signing up as a Patreon supporter soon.

This is available on PBS? Our kids are FINALLY learning this stuff?! Amazing.

I'd love to see how far in the water cryptocurrency would be on your info graphic.

I just found you guys. What a great video. The analogy was perfect, so easy to pick up the content. Kudos for you. I am going to share the video among my family and I am considering to help you through patreon. Keep up the good work!!!

An amazing educational channel for financial literacy! Thank you!

This is the most informative video on this topic. You guys have really helped me understand finances. Thank you so much for your work!!

I am continuously impressed with your videos. The information provided is useful and it's simple to understand. Much appreciated. Thank You.

Been trying to understand the topic of investments and the differences between all the different options for way to long and this is the first video that started to make things click! Please do more like these!!

Amazing storytelling! It couldn't have been better! Awesome job, Two Cents :)

Your videos appear humble, realistic and genuine. Keep doing great!

I love Two Cents so so much!! Makes finance lessons fun and engaging thank you:)

I love that they make the videos easy to understand. I hate it when finance videos use all this complicated jargon.

Thank you so much for this video. You have been a great help to me understanding Financial responsibilities here in United States. You rock! 😊

I love the channel, but I have to offer a quick correction for series I savings bonds. Per treasurydirect.org: "I-bonds can be held for as little as one year or as long as 30 years, but if they are sold after fewer than five years, the holder sacrifices the last three months worth of interest." You literally cannot withdraw the money before 1 years time. And if you withdraw before 5 years you will forfeit three months worth of interest, which is honestly not much of a penalty at all. Love you guys and I hope you continue educating the public on these important financial topics!

You know what's a good investment....that moustache :)

In comparison to the developed country intrest rates, the developing country like mine (India) intrest rates are high but the rates are decreasing year on year.no doubt we will reach that rates soon .thank God for your investment knowledge i am planning accordingly.☺️

You guys always produce top quality videos, but this one deserves an Emmy.

Love from India. I really enjoy your content, the presentation and the animations!! The financial fundamentals are wonderfully narrated. Subscribed!! Please keep up the good work 2.5 cents

For CDs, consider credit unions and brokered CDs too! Some can be as short as 1 or 3 months, some can be flexible with withdrawals and deposits, and some have minimums of only a few hundred dollars per acocunt.

Thank you guys so much for teaching me more than any high school finance class ever did!

Sail across the sea for them sweet tendies

I am currently only invested in stocks, ETFs, and REITs. I think in about 6 months or so I am going to look to add some bonds to my portfolio. How do you see interest rate changes affecting bond prices in the next six months?

Amazing! Your videos are getting better in content, creativity delivery, graphics too! Keep up the good work! Can't wait to see your channel hits million subscribers

You are so good everyway. I like the way you explain it all for a common person. I discovered your channel a few days ago and couldn't stop watching your videos. I m gonna finish em all soon . Will be a couple of dollars from two cents of each video😉 Much love❤️ good job👍. And you are a beautiful couple👫

You guys are AWESOME! I haven't missed a single episode. Love your work.

No guaranteed returns or outcomes (2:48), AND may lose initial value, as any brokerage account disclaimer will be quick to inform you.

this channel will always on my youtube homepage in 2020 :) thanks for your two cents Julia & Philip :)

Amazing video as always! I loved how you guys associate difficult investments concept with sailing.

Well done. Great way to illustrate the reality of this topic.

What a great video! Can't wait to show my wife, its our ritual to watch new episodes before work

In Ukraine (Eastern Europe) you can buy bonds with 15% interest and up to 18% on deposits in UAH (local currency) and about 5% in USD bonds.

Good job!, guys. I love how you used sailing from one point to another as a metaphor for reaching financial goals. It will help explain to lots of folks that don't quite get it. Big up!

I really think this is your best video, it sounds so simple, thank you MTC !

Could you make a video on investing vs paying off the house... i just what to know which is better to focus on. Thanks you guys Are the best!

I feel Gold and Silver is the soundest investment. Value goes up when the value of the dollar drops. It also goes up with demand, such as electronics, jewelry and solar panels. The value also increase with rarity in nearly all aspects of bullion and coins, year, mint mark and condition. Even bars have rarity value. It’s nearly full proof.

The graphics done for the theme in this video is killer. Seriously whoever did your post production graphics with the S&P 500 star chart, Rocky waters, etc is so so good like WOW

Are there any other show like this? Doesn't have to be about financial. I grew up watching PBS kids so I want to stick to my roots and keep watching PBS content.

You guys are amazingly informative! Thank you for what you do. Love you guys. Happy Holidays🦃🌲🍾

I love this page so much. I like each video before I've finish watching them. Very informative 👍

This was so informative. The graphics were spot on. You could teach this to the average joe with this video

You two do such a good job! It looks professionally produced.

How far out in the ocean are FDs or does that just depend on my personal risk tolerance?

This was such great advice presented in an easy-to-understand fashion. I've urged all of my kids to subscribe.

I like the better returns the S&P offers. When I retire I plan on continuing in investing in the S&P but keep at least a six month rainy day fund in short term bonds so if the market crashes I will be able to weather a six month term. But as long as the market is mostly stable I will draw from the S&P fund. Now if I do need to draw from my rainy day fund most likely I would cut my spending to stretch the money out longer. I am also only counting on a 5% anual return from the S&P so as to be more safe.

Ya'll make the best analogies. The one with the George Washington Dollar Army was great.

Great information like always. I’ve learned so much watching you guys. Thank you!

Great production quality! Informative and just the right amount of fun.

This is an amazing video! Could you guys make a step by step video on how to start investing for the average perskn

Love this explanation, I'm going to go ahead and save this video for any future reference. Keep it up guys!

It's treasurydirect.gov not .org if anyone is actually interested.

5:48 well THAT was terrifying

Can you do a video over pensions and why there is a pension crisis from what I gather from other sources?

Love y’all! You’re giving me a ton of financial confidence! One question I’m running up against: the difference between (local) banks and credit unions. Why can I get better loan rates at credit unions? Are there disadvantages or penalties for having bank accounts and credit union loan(s)? I’m only seeing advantages in credit unions, but that can’t be if banks are thriving - so what’s the deal?? Noticed the Bank vs Credit Union video after this comment - hence the edit. But I’m referring exclusively to LOCAL banks vs. credit unions. I’ve lived exclusively in Texas and Oklahoma my whole life (barring my 2 years abroad during Peace Corps service) including rural and urban homes, but I’ve only ever noticed friends from the northeast using a national banks (which led to a fun conversation at an ATM where I was confused why it was SO important it be a branded ATM). I may be a bit naive. Is this a “rural” issue? Are more densely populated areas “banking” differently? (I didn’t mean for it to be a second suggested video, but I’m not upset if you talk about urban vs. rural financial options!)

What about real estate or other types of investments?

The website domain ends with .gov not .org. I hope you guys correct it! 1:57

4:00 No, the S&P 500 is not simply the largest 500 corporations in the US. They're selected via committee.

Funny to see that 4 years ago, we questioned if it was a good time to invest since it was in all time high. And we’re now in all time high and still questioning the same thing lol

You guys are both so pretty and ofcourse I love your content guys, thank you for all the hard work ❤️

can you guys talk about andrew yang’s UBI? (trickle up economy)

To all the people who kept asking why two cents used 7-8 percent interest in their long term goals. Now you know why....😁

Really great video and using the pirate and nautical flair made it relatable. Where I work one guy I know is making 19.4% in 2019. They match 3% of their money when you invest 6%. Then each year you get 2% ok while sum in April/may. I won’t go any further in that but grateful to be there and can’t wait to see future growth.

As always, a rock-solid, informative video! You two are geniuses!

In india bank gives 8% on fixed deposits

Something that needs to be stated with risk based investments is that most investors are going to be buying into these in multiple small pieces over time, at different price points, not all in one shot. If you are contributing to a 401K or similar plan out of every paycheck, you are already doing such. This practice will mitigate some of that risk. Granted, it will also mitigate your returns.

Excelente como todos sus videos, muchas gracias por la información para navegar las aguas de un futuro mejor. la parte de Julia disfrazada de pirata estuvo genial 😊.

Thank you for your amazing and educational videos :)

2:02 shouldn't it be a .gov site since its government run?