Sanjee Sen
Sanjee Sen
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Wealth Nuggets: Applying Mining to Personal Finances
A bit of a different video where I run through some of my learnings from my time in mining. I run through two broad principles I’ve taken from mining and applied to my personal finances. Sign up to my newsletter: sanjee.substack.com
Join me on other social channels:
Instagram: sanjee_investing
My website: www.sanjeesen.com/
Timestamps:
0:00 - Intro
0:28 - My mining background
1:30 - Principle 1: Circuit Dynamics
2:49 - Stability
4:10 - Debottlenecking
6:40 - Principle 2: Risk Management
Great books for sorting out your money:
Barefoot Investor: amzn.to/3uoW5ml
She’s on the money: amzn.to/3GtbDrE
Sort your money out: amzn.to/3gmkII6
Get started investing: amzn.to/34kgZbx
Retirement made simple: amzn.to/3gqdMcX
My setup (Australian Amazon Affiliate links):
Canon 80d camera and lens: amzn.to/2He8SS6
Rode Main mic: amzn.to/3t1F2Uk
Rode mic (lapel): amzn.to/2TdeDBX
Useful links:
Australian Government website on personal finances: moneysmart.gov.au
Disclaimer:
The information provided in this video is general in nature only and does not constitute personal financial advice. You should also consider seeking the advice of an investment advisor who holds an Australian financial services (AFS) licence or is a representative of an AFS licensee. Be sure to work with someone who understands your investment objectives and tolerance for risk. Your investment advisor should understand these products, be able to explain whether or how they fit with your objectives, and be willing to monitor your investment alongside you. There are some Amazon Affiliate links above - if you purchase from there, at no additional cost to you, I will earn a small commission for each sale.
Переглядів: 1 850

Відео

ETFs to invest in the S&P500
Переглядів 3,7 тис.9 місяців тому
In this video I run through ETFs you can use to invest in the S&P500 and the USA in general. Sign up to my newsletter: sanjee.substack.com Join me on other social channels: Instagram: sanjee_investing My website: www.sanjeesen.com/ Timestamps: 0:00 - Intro 0:44 - IVV ETF S&P500 1:52 - Hedged and Unhedged ETFs 3:22 - ETF Comparison 4:10 - Comparison Website 4:59 - Other ETFs NDQ V...
Is your portfolio performing well?
Переглядів 1,7 тис.10 місяців тому
In this video I look at metrics you can perform your portfolio against. Sign up to my newsletter: sanjee.substack.com Join me on other social channels: Instagram: sanjee_investing My website: www.sanjeesen.com/ Great books for sorting out your money: Barefoot Investor: amzn.to/3uoW5ml She’s on the money: amzn.to/3GtbDrE Sort your money out: amzn.to/3gmkII6 Get started investing: ...
How to buy shares and ETFs with CMC App
Переглядів 11 тис.10 місяців тому
In this video I show you how to buy shares and ETFs using the CMC mobile app. Sign up to my newsletter: sanjee.substack.com Time stamps: 0:00 - Intro 0:27 - Step 1: Transfer funds 1:49 - Picking what to buy 2:32 - Actually buying something 5:13 - How to cancel your order Join me on other social channels: Instagram: sanjee_investing My website: www.sanjeesen.com/ Great books for s...
How to setup Dollar Cost Averaging
Переглядів 2,1 тис.10 місяців тому
In this video I discuss Dollar Cost Averaging (DCA), why you might consider it and how to get it setup through your broker. Sign up to my newsletter: sanjee.substack.com My other videos: How to Buy Shares: ua-cam.com/video/0LM_1toj1S0/v-deo.html Time stamps: 0:00 - Intro 0:20 - What is DCA 0:55 - Benefits of DCA 2:30 - Points to consider 4:08 - Ways to setup DCA 5:09 - DCA through your broker 5...
The Inflation Test: Is Your Salary Falling Behind?
Переглядів 88511 місяців тому
In this video I’ll help you determine if your salary has kept up with inflation. This useful website will tell you how much you should be earning now since your last pay rise to have kept up with the recent inflation we’ve seen. Sign up to my newsletter: sanjee.substack.com The website: paycalculator.com.au/ My other videos on: How to Buy Shares: ua-cam.com/video/0LM_1toj1S0/v-deo.html CommSec ...
How to get your money out of CMC
Переглядів 4,4 тис.Рік тому
In this video I show you how to sell your shares and how to then get your money out of CMC into one of your personal bank accounts. Sign up to my newsletter: sanjee.substack.com My other videos on CMC: How to Buy Shares: ua-cam.com/video/0LM_1toj1S0/v-deo.html CommSec vs CMC: ua-cam.com/video/mMtahxj9muw/v-deo.html Another comparison: ua-cam.com/video/Hg9V_KVhl1s/v-deo.html Time stamps: 0:00 - ...
Things I shouldn't do on YouTube
Переглядів 1,9 тис.Рік тому
In this video I run through my initial principles for my UA-cam Channel to ensure longevity and establish a bit of professionalism. Sign up to my newsletter: sanjee.substack.com Get Ray Dalio’s book here: www.principles.com Time stamps: 1:05 - Australian Government Agencies 2:12 - Financial and health advice 2:41 - Product endorsements 4:00 - Research 5:12 - Is this video still useful? Join me ...
2023 and beyond channel direction
Переглядів 2,8 тис.Рік тому
In 2023 I’m planning to make the channel broader as my own interests expand. Hope you will enjoy the journey with me. My old cooking videos Basic Pasta meal: ua-cam.com/video/HRST1QYatuU/v-deo.html Basic Quiche meal: ua-cam.com/video/5f5B92UU6fc/v-deo.html Basic Maggi Noodles: ua-cam.com/video/hW6DJmgexMw/v-deo.html Basic Mac and Cheese: ua-cam.com/video/xEgtrYh8R4U/v-deo.html @BenFelixCSI (the...
Should you move your SUPER to CASH?
Переглядів 3,3 тис.Рік тому
A classic question that gets asked around superannuation. Sign up to my newsletter: sanjee.substack.com Time stamps: 0:53 - Super is a long term investment 1:42 - Missing out on the rebound 3:00 - Unrealised vs realised losses 3:19 - Get the basics right 4:39 - If you’re still thinking of going to cash 4:58 - When are you moving to cash? 5:13 - How are you going to cash? 5:50 - When will you co...
How to Buy Shares - A 7 Step Guide
Переглядів 3,1 тис.Рік тому
I describe the 7 steps to buying shares on the Australian Stock Exchange (ASX). Sign up to my newsletter: sanjee.substack.com Time stamps: 0:30 - Setup your Emergency Fund 1:00 - Pick a brokerage company 1:37 - Setup your brokerage account 2:53 - Know this information 5:22 - Deciding what to buy 6:38 - Making the purchase 8:30 - What time to buy 8:58 - Paperwork & share registry 11:30 - Stressi...
The Book That Changed My Approach To Money
Переглядів 3,1 тис.Рік тому
A fantastic book that really changed how I viewed things like budgeting, real estate and investing. Sign up to my newsletter: sanjee.substack.com Time stamps: 0:00 - Intro 0:50 - How to budget 2:19 - Approach to real estate 3:48 - Investing as soon as possible Link to the book: Barefoot Investor: amzn.to/3uoW5ml Join me on other social channels: Instagram: sanjee_investing TikTok...
The 9 BEST Investing Apps for 2023
Переглядів 6 тис.Рік тому
In this video I run through what to look out for in terms of potential investing platforms. Sign up to my newsletter: sanjee.substack.com Time stamps: 0:00 - Intro 0:25 - Types of brokers 1:18 - Brokers to start with 2:46 - Brokers for the longterm Join me on other social channels: Instagram: sanjee_investing TikTok: www.tiktok.com/@sanjeesen2020 My website: www.sanjeesen.com/ Gr...
My 2 Favourite ETFs for Beginners in 2023
Переглядів 10 тис.Рік тому
Two ETFs to start your investing journey are VAS and VGS from Vanguard. Sign up to my newsletter: sanjee.substack.com Time stamps: 0:00 - Intro 0:20 - VAS to invest in Australia 1:15 - VGS to invest in the world 2:21 - Ethical alternatives 3:29 - Managing currency risk 4:52 - How much in each? 6:29 - Building on the foundation Join me on other social channels: Instagram: sanjee_in...
How to optimise your ETF portfolio
Переглядів 5 тис.Рік тому
How to optimise your ETF portfolio
The 5 Most Popular ETFs in Australia for 2022
Переглядів 5 тис.Рік тому
The 5 Most Popular ETFs in Australia for 2022
Investing mistakes to avoid in 2022
Переглядів 8 тис.Рік тому
Investing mistakes to avoid in 2022
Earning money from surveys in 2022
Переглядів 2 тис.Рік тому
Earning money from surveys in 2022
CMC Trading Tutorial: How to buy shares and ETFs
Переглядів 43 тис.Рік тому
CMC Trading Tutorial: How to buy shares and ETFs
Is it time for thematic ETFs from Betashares?
Переглядів 1,8 тис.Рік тому
Is it time for thematic ETFs from Betashares?
Financial Scams to Avoid in Australia
Переглядів 2,4 тис.Рік тому
Financial Scams to Avoid in Australia
AFIC's 2022 portfolio update
Переглядів 3,6 тис.2 роки тому
AFIC's 2022 portfolio update
How I moved my shares to CMC
Переглядів 10 тис.2 роки тому
How I moved my shares to CMC
5 Interesting Tesla Jobs in Australia
Переглядів 1,5 тис.2 роки тому
5 Interesting Tesla Jobs in Australia
4 Incredible Personal Finance Websites You Probably Don't Know Exist
Переглядів 8 тис.2 роки тому
4 Incredible Personal Finance Websites You Probably Don't Know Exist
I'm changing share brokers - CommSec vs CMC
Переглядів 25 тис.2 роки тому
I'm changing share brokers - CommSec vs CMC
Comparing Vanguard's popular ETFs - VAS | VHY | VAP
Переглядів 16 тис.2 роки тому
Comparing Vanguard's popular ETFs - VAS | VHY | VAP
Don't forget this with your DRP investments | Dividend Investing
Переглядів 6 тис.2 роки тому
Don't forget this with your DRP investments | Dividend Investing
AFIC talks about ESG, Oil & Gas, JB Hi Fi in their HY22 update
Переглядів 2,5 тис.2 роки тому
AFIC talks about ESG, Oil & Gas, JB Hi Fi in their HY22 update
Comparing my portfolio to just buying VAS | Vanguard ETFs
Переглядів 15 тис.2 роки тому
Comparing my portfolio to just buying VAS | Vanguard ETFs

КОМЕНТАРІ

  • @VanillaCherryBread
    @VanillaCherryBread День тому

    I have a 3 fund portfolio but I have finally decided to invest in ETFs, alongside. I’m looking at SCHD, VOO, XLK or SCHG.

  • @silviofontana3666
    @silviofontana3666 2 дні тому

    fees in holding physical gold with PM are high. Better to buy ETP's and hold these in their depositary account

  • @LiamOlivia-4
    @LiamOlivia-4 3 дні тому

    I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for.

    • @Elliot-Ivan
      @Elliot-Ivan 3 дні тому

      I feel your pain mate, as a fellow retiree, I’d suggest you look into passive index fund investing and learn some more. For me, I had my share of ups and downs when I first started looking for a consistent passive income so I hired an expert advisor for aid, and following her advice, I poured $30k in value stocks and digital assets, Up to 200k so far and pretty sure I'm ready for whatever comes.

    • @LiamOlivia-4
      @LiamOlivia-4 3 дні тому

      @@Elliot-Ivan That's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well

    • @Elliot-Ivan
      @Elliot-Ivan 3 дні тому

      @@LiamOlivia-4 My advisor is VICTORIA CARMEN SANTAELLA;

    • @Elliot-Ivan
      @Elliot-Ivan 3 дні тому

      You can look her up online

    • @FlorentGulliver
      @FlorentGulliver 3 дні тому

      @@Elliot-Ivan The crazy part is that those advisors are probably outperforming the market and raising good returns but some are charging fees over fees that drain your portfolio. Is this the case with yours too?

  • @RajkumariPereira
    @RajkumariPereira 4 дні тому

    Great video

  • @dankodikara7492
    @dankodikara7492 6 днів тому

    Thank you Sanjee

  • @lessgo8738
    @lessgo8738 10 днів тому

    Bro really just did a efficient frontier lol 1st yr finance

  • @Frankloredo-z9p
    @Frankloredo-z9p 11 днів тому

    I came across your channel through this video-case studies are incredibly valuable, and I'm eager to see more in the future! Building wealth involves establishing routines, like consistently setting aside funds at regular intervals for smart investments.

    • @Soniajohn-e4g
      @Soniajohn-e4g 11 днів тому

      People believe their currency has the worth it does because they have no other option. Even in a hyperinflationary environment, individuals must continue to use their hyperinflationary currency since they likely have minimal access to other currencies or gold/silver coins.

    • @Beckylouis-c4c
      @Beckylouis-c4c 11 днів тому

      Uncertainty... it took me 5 years to stop trying to predict what bout to happen in market based on charts studying, cause you never know. not having a mentor cost me 5 years of pain I learn to go we’re the market is wanting to go and keep it simple with discipline.

    • @wisdommelody-b9w
      @wisdommelody-b9w 11 днів тому

      This aligns perfectly with my desire to organize my finances prior to retirement. Could you provide me with access to your advisor?

    • @Beckylouis-c4c
      @Beckylouis-c4c 11 днів тому

      NICOLE ANASTASIA PLUMLEE is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.

    • @wisdommelody-b9w
      @wisdommelody-b9w 11 днів тому

      She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

  • @fnqwaz5816
    @fnqwaz5816 12 днів тому

    Sanji, most dividends are only paid out twice or four times a year, not monthly, correct?? So if your relying on a dividend retirement you only get paid twice a year??

  • @NJards-zt4fp
    @NJards-zt4fp 12 днів тому

    Maybe this wasn't the case previously, but now its free to buy Vanguard ETFs but $9 to sell.

  • @phuccaohoang7856
    @phuccaohoang7856 13 днів тому

    From my understanding, because at first investors invested in the share price of the company with the cost = 10$ and knew they would receive 2$ tomorrow so their total investment would be -10 + 2 = 8$. While the investors purchase shares at ex-dividend date, they would not receive any dividends so in order to compensate for them, the stock price is adjusted to decline equal to the value of dividends. Therefore, they just purchase shares at 8$ without receiving 2$. Is that right ?

  • @tariqmoustafa5381
    @tariqmoustafa5381 23 дні тому

    Amazing information Thank you mate is it tax free if i sell it?

  • @MrMischab
    @MrMischab 27 днів тому

    Go high growth not balanced at your age

  • @kyle-user30
    @kyle-user30 27 днів тому

    I am 22 years old, lost my dad about half a year ago and I am going to receive some money soon. Would it be smart to grow my money in stocks for a few years while I am in college and then invest in rental properties afterwards, or should I go for real estate investing first?

    • @Jasongonzales-45678
      @Jasongonzales-45678 27 днів тому

      I would advise the counsel of a seasoned financial pro. It may seem expensive, but as the old saying goes - "you get what you pay for"

    • @user-3456rtu
      @user-3456rtu 27 днів тому

      I agree, investing with the help of an advisor set me up for life. Retired with about $1.6m in stock portfolio only. I max out my 401k and have few properties. I worked hard everyday as a teacher for 32 years, and my salary was over 100k annually. Supplementing my income with stocks and alternative investments helped me achieve early retirement.

    • @Marthas-r4c
      @Marthas-r4c 27 днів тому

      pls how can I reach this expert, I need someone to help me manage my portfolio.

    • @user-3456rtu
      @user-3456rtu 27 днів тому

      I'm cautious about giving specific recommendations since this is an online forum and everyone situation is unique, but I've worked with "Melissa Elise Robinson" for years and highly recommend her. Look her up to see if she meets your criteria.

    • @322dawgg
      @322dawgg 27 днів тому

      Thanks for the info. I searched for her full name and found her website right away. I reviewed her credentials and did my research before reaching out to her.

  • @thepotager9816
    @thepotager9816 Місяць тому

    It would be great to do an update with current rates in this

  • @robinkemp6845
    @robinkemp6845 Місяць тому

    Just what I needed. Thank you very much.

  • @BS-zg3uj
    @BS-zg3uj Місяць тому

    Thank you Sanjee!

  • @davidmurphy1735
    @davidmurphy1735 Місяць тому

    You have a lovely voice

  • @calumtreharne8209
    @calumtreharne8209 Місяць тому

    I dont understand what the "limit price" is? It wont let me put anything less than $500. Can anyone explain please

  • @I_Explorerr
    @I_Explorerr Місяць тому

    How to manage (sell/buy) once you leave Australia and are no longer an Australian resident?

  • @user-os4du1sb2k
    @user-os4du1sb2k Місяць тому

    Hi Sanjee, great video as always. Would you recommend if you have to choose one ETF would it be VDHG or VAS+VGS to invest on behalf of children, with a long term horizon. Thanks

  • @jasonwolfe5787
    @jasonwolfe5787 Місяць тому

    Whos ethics are we talking about?

  • @MrDomdesouza
    @MrDomdesouza Місяць тому

    Always a pleasure to see an erudite man scientifically follow through with many of our thoughts. Have you considered our ROE (“return of effort”) compared with a simple purchase of VAS for a simple investing strategy? Irrespective, I believe we are focussed on the right process for the best outcome for an epic retirement my friend.

  • @TianoDael
    @TianoDael Місяць тому

    Sanjee are you gonna cover vanguard super again? I’ve recently joined and I like the functionality of seeing your combined portfolio of super and personal investor in one platform

  • @chillimocha
    @chillimocha Місяць тому

    Very well explained and easy to understand. Thank you Sanjee. When I look on the BUY (PLACE ORDER) page now there are percentages under ORDER TYPE. Do you know what the percentages are for?

  • @StingerNSW
    @StingerNSW 2 місяці тому

    Hope you get this message, when will you be doing new videos?

  • @paulietv2162
    @paulietv2162 2 місяці тому

    What's the point of putting this video out if you can't be bothered to compare dividends? Unsubscribed

  • @paulietv2162
    @paulietv2162 2 місяці тому

    Looking at this graph I am assuming that 'Risk' is the variation (or standard deviation) in the amount of return you are getting over the year. For example, you could have a $100 dividend every quarter from the first ETF or $10, $40, $70, and $300 from the second ETF. The first has a standard deviation (or risk) of zero but returns $400 over the year. However, the second has more variation than the first but returns $420. Therefore, in my view the risk of inconsistent returns does not carry an equal weighting as the total return - unless for some strange reason, consistency of return is more important to the investor than total return. Therefore, based on this graph, VGS alone performs better than every conceivable combination of the two ETFs and I would not bother with VAS at all unless for reasons not specified in this video.

    • @rodbrown7284
      @rodbrown7284 9 днів тому

      I’m moving away from VAS because of the overweight of the banks with little growth potential. Not that keen on the concentration of the materials sector either

  • @theowenssailingdiary5239
    @theowenssailingdiary5239 2 місяці тому

    I think you need to read a study or two on risk. You should be invested in higher risk assets. I'm 51 and still aggressively invested. The only reason you'd be slightly conservative is because you intend to buy a house with some of it. Such a great idea maxing out concessional contributions-wish I'd started earlier. If you max out your contributions for 20 years you will have over 1.3 million. Thats assuming a real return of 7% (if you aren't getting 10% returns you really need to change funds). !!!! There is plenty of advice around encouraging young people to opt out of 'balanced growth ' funds, for this very reason. I'm not sure what it is about Australian finance content, but usually its overly conservative and dated. Love the style of the videos. (fellow Australian btw-Melbournian to boot).

  • @OffGridInvestor
    @OffGridInvestor 2 місяці тому

    FYI the ones charging the 0.2% of your HOLDINGS is Vanguard. That's who he was talking about.

  • @OffGridInvestor
    @OffGridInvestor 2 місяці тому

    You CAN USE google finance to compare between stocks ON CHARTS. I have had 5 at once. I used it so much I downloaded the app which just runs thru Chrome. It's essentially just chrome running their website version.

  • @distinctbuildingcompany
    @distinctbuildingcompany 2 місяці тому

    Amazing content. Thanks just wanted I needed to learn. ❤

  • @guilhermebombaca1216
    @guilhermebombaca1216 2 місяці тому

    Good explanation. Thanks

  • @crlyap
    @crlyap 2 місяці тому

    Is it actually $0 fee each day under $1000 ?? For the same ETF or stocks? Or is it only the 1st but up to $1000 portfolio and as soon as your ETF more do you need to pay $11 per trade?

  • @jorgeovalle85
    @jorgeovalle85 2 місяці тому

    Is it still a good app to invest? Thanks

  • @SophieMire-ek1fn
    @SophieMire-ek1fn 2 місяці тому

    CMC 的确有串改顾客交易记录的事实。几分钟光纳斯达克的$15万利润变成了几百块的亏损!不同时期的买入价格便成了同一个买入价!

  • @melittafirth4140
    @melittafirth4140 2 місяці тому

    Do you have a video on using comsec international portfolio at all?

  • @carllee8286
    @carllee8286 2 місяці тому

    Hi Sanjee, thanks for another great video. Just wondering with BRICS/dedollarisation/ and its new currency - do you think hedged will be better going forward for long term aussie investors? Cheers!

  • @jiti5034
    @jiti5034 2 місяці тому

    so both lost money?

  • @rabindra1990
    @rabindra1990 3 місяці тому

    Is CMC better than any other broker in AUS?

  • @mabahmed4929
    @mabahmed4929 3 місяці тому

    Too talkative Dude! Topic and the content are misleading! You could discuss with your screen on display.

  • @AngelicaKB
    @AngelicaKB 3 місяці тому

    Thank you!

  • @AngelicaKB
    @AngelicaKB 3 місяці тому

    Thank you 🎉

  • @AngelicaKB
    @AngelicaKB 3 місяці тому

    Thank you!

  • @AngelicaKB
    @AngelicaKB 3 місяці тому

    Thank you!❤

  • @conradmaclean4073
    @conradmaclean4073 3 місяці тому

    What about foriegn bonds?

  • @jiti5034
    @jiti5034 3 місяці тому

    Does CMC offer CFDs ? that is an OTC product meaning you are likely be trading against the house where as Com sec is direct market exchange traded products , no conflict of interest , correct me if I am wrong

    • @OffGridInvestor
      @OffGridInvestor 2 місяці тому

      CMC is normal share buying, you get dividends paid and all. Not the CFD hot potatoes that are continually advertised on UA-cam. But you're right about CFD. Contract For Difference. You're effectively buying a BET, it's basically a betting app where you're betting against whatever wall street banks think will happen. And you're not actually holding any assets. I have heard some horrific stories on people doubling down, borrowing money from family and losing $180,000 then suiciding. People not worrying about stop loss because "how far could it go overnight" too wake up and find they've lost $300,000 because the company collapsed overnight on the NYSE.

  • @Guitar4life99
    @Guitar4life99 3 місяці тому

    Hey there, thanks for the information. Having a bit of trouble though understanding the most effective way to setup orders outside of market time, due to my work schedule I'm never available during those hours. I'm new to investing and through maybe there was also a way to setup auto investing in the cmc markets app on the phone, but I can't for the life of me figure that out, is it even possible?

  • @jiti5034
    @jiti5034 3 місяці тому

    How would you hedge Australian ETF base don SPX index? with SPX options in USA? but they trade at diff hours and the Australian ETF will be in AUD

  • @jiti5034
    @jiti5034 3 місяці тому

    Is it true that the free brokerage ( US shares) happens only because they get paid by market makers and your order does not go to the actual market>? also what about Interactive Brokers

  • @craptobotfanboy4958
    @craptobotfanboy4958 3 місяці тому

    you dont own a dog do... watching tbis years later.... you are 100% full of shit