October 21, 2020
  • 9:49 am Issue 3 of CSUDH Bulletin Live if You Want It
  • 3:24 pm Hispanic Heritage Month Update
  • 2:00 pm South Bay Economic Forecast Goes Virtual
  • 3:52 pm BREAKING NEWS: Classes for Spring to be Online, CSU Chancellor Announces
  • 9:39 am “Strikes” and Solidarity
  • 8:30 am March Into History: Just 5 in 1970, CSUDH Growth Shaped by Historic Event
  • 8:30 am Will the Bulletin Make Today Tomorrow?
  • 9:04 am Different Neighborhoods Warrant Rubber Bullets or Traffic Control For Protesters
  • 5:07 pm STAFF EDITORIAL: Even Socially Distant, We All Have to Work Together
  • 5:47 pm Transcript of CSUDH President Parham’s Coronavirus Announcement
  • 10:46 am Cal State Long Beach Suspends Face-to-Face Classes; CSUDH Discussing Contingency Plans
  • 5:26 pm Things Black People Should be Able to Get Away with This Month
  • 10:25 am Latinx Students Need a Place to Call Home
  • 2:35 pm Will Time Run Out Before Funds for PEGS? [UPDATED]
  • 5:18 pm Greatness Personified: Remembering Kobe Bryant
  • 8:41 am Year of the Rat? What’s That?
  • 6:20 am Artist Who Gave Life to Death and Inspired Countless Others Gets His Due at Dominguez Hills
  • 5:16 pm Why I’m Rooting for Dr. Cornel West
  • 5:00 pm Under Fire from the Feds, Vaping’s Future is Cloudy
  • 3:28 pm We’re Going to Need a Bigger Boat; Tsunami 3.0 Hits Campus, Enrollment Swells
  • 4:48 pm University Weathering a Wave of New Students
  • 9:21 pm The Bulletin’s Public Records Request Offers Springboard to Launch Gender Equity Discussion at CSUDH
  • 4:27 pm Black is the New Black: Raising the Capital on the “B” Word
  • 10:53 am Guns Up for Arrest: Student advocacy group pushes for CSU No Gun Zones–Including the Police
  • 4:09 pm Staff Editorial: Words on the First
  • 8:42 pm Carson Mayor Blasts Media, Landmark Libel Case in Keynote Address
  • 9:27 am Free Speech Week Calendar of Events Update
  • 6:02 am Food for Thought: 40% of Students are Food Insecure
  • 3:12 pm Academic Senate Rejects CSU GE Task Force & Report
  • 3:06 pm Work To Be Done
  • 5:56 pm ASI Elections: What You Need to Know
  • 8:02 pm CSUDH President Parham Announces Cancer Diagnosis
  • 9:47 am CSUDH Art Professor’s 20-Year Journey Results in First Local Showing of Film
  • 9:13 pm Free Speech or Free Hate area?
  • 9:08 pm CSUDH’s Best & Brightest Shine at Student Research Day
  • 9:05 pm Academic Senate Approves Gender Equity Task Force
  • 12:37 pm When Dr. Davis speaks, Toros Pay Close Attention
  • 3:38 pm Investing in the Future: Dr. Thomas A. Parham Reflects on the Past Eight Months and Contemplates​ the University’s Future
  • 3:24 pm Green Olive to Open By End of Feb; Starbucks Not Until Fall
  • 3:20 pm Gov. Newsom’s Proposed Budget Hailed for Extensive Funding Increases
  • 3:08 pm Out of the Classroom: Labor and Community Organizing Course Aims to Teach Students How to Organize for Social Justice
  • 2:54 pm The Other Route in Professional Sports
  • 9:02 am Hail to the New Chief, CSUDH President Thomas Parham
  • 3:36 pm Career Center Holds Major/Minor Fair
  • 5:34 pm After Unexpected Delay, Undocumented Becomes More Intimate Theatrical Production
  • 1:30 pm What to Expect When You’re Expecting New Buildings
  • 1:57 pm Asian Pacific Studies Promoted to Major
  • 12:13 pm CSUDH Celebrates Asian and Pacific Islander Heritage With Launch of Newest Degree Program
  • 3:16 am Today is Your Lucky Day Because Today is Bulletin Day
  • 3:04 am The Rebirth of the Gerald Desmond Bridge
  • 12:10 pm Tales Of A Pizza Boy
Story tips, concerns, questions?

Outside shot of the iconic New York Stock Exchange building.  Photo provided from Unsplash by @Mitchnielsen, Mitch Nielsen.

By Jonathan Ghattas, Staff Reporter

As a full-time college student, I have my fair share of responsibilities, as we all do. With a car payment every month, along with rent, groceries, and other monthly expenses, the idea of saving money seems impossible. For students like us, our focus generally tends to be on getting assignments done and graduating, but learning to save and invest your money is as important to your future. 

Through “the grind”, the ability to set aside some extra cash and build a savings account is doable, and as someone who works two jobs to stay afloat, I can tell you that this goal is achievable. 

One of these ways would be to open up a brokerage account and invest into stocks. This can be done fairly easily through the use of various trading applications, such as TD Ameritrade and Robinhood. Personally, I’ve found using TD Ameritrade as the better option, due to the functionality and logistics of their application.

I’ve always held an interest in the stock market, but never found myself investing and instead would set my money aside in a savings account. Though, over time as I began to save more I noticed that the bank’s interest rate was yielding nothing more than a few mere pennies every month. 

This prompted me to look into other ways in which I could have my money be protected yet be able to provide me with growth in the long term. 

The stock market was the answer, and so my research began.

As a first time investor, there are several things that one must learn and digest. Here are two tips that can help in setting up a long-term successful portfolio. 

Tip #1: Patience. 

Yes, before anything else being patient is the number one rule when it comes to long-term investing. This is a trait that must be learned and instilled into an investor from the moment you make that very first stock purchase. Without patience, all other fundamentals fall to the wayside if one is not able to keep a level head. 

Being patient is key due to the volatile nature of the stock market, as at times you may face down stretches that will truly test your fortitude. 

Having a long term view is critical in order to be a successful investor. As one of the most successful investors in history, Warren Buffett made his fortune by playing the long game. 

In an interview with CNBC, Buffett shared some tips for first time investors. 

“I know what the markets are going to do over a long period of time,” Buffet said. “They’re going to go up. But in terms of what’s going to happen in a day, or a week, or a month, or a year even, I’ve never felt that I knew it and I’ve never felt that was important.”  

Reminding oneself that the goal of investments are long-term is one that must be done daily, and while at times an individual may feel tempted to take profits, this daily reminder will always be the single best piece of advice. 

Tip #2: Diversity. 

Having diversity in what stocks an individual decides to own is also important when building a portfolio. Additionally, deciding the amount of money to invest compared to the amount to leave in a savings account is also important. 

Essentially, it is best to only invest a certain percentage of savings, this way there is less exposure to the market and a majority of the nest-egg is still intact. By doing this, an individual has already diversified their money and can invest freely. 

Now when it comes to being diverse in the type of stocks owned, investing in multiple companies that cover the various sectors that make up the economy is a move to consider. While it may be wise to put all the money in the technology sector and purchase stocks such as Apple or Microsoft, it can inherently limit gains. By keeping your investments diverse, and adding other sectors such as energy, healthcare, and financials can help limit your exposure to losses. 

I understand it may be difficult to set aside money during uncertain times, but I myself started investing when the pandemic began. The uncertainty of the virus forced a huge sell off in the market, which created the perfect buying opportunity for a long-term investor. It’s during these moments that one must look to the market and seek the best stock to smartly invest their money for the long-term. 



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